Austin Capital Mortgage

Austin Capital Mortgage works with borrowers across 23 states and has helped more than 20,000+ borrowers over three decades in the mortgage industry.

Hybrid banker + broker model

Austin Capital Mortgage operates as a hybrid mortgage banker + broker:

• Access to 100+ lenders and programs so borrowers can compare a wide range of options
• In-house process for origination, processing, underwriting, closing and funding to reduce delays and handoffs
• More paths to approval for a variety of income types and credit profiles

This model is designed to combine the certainty of a direct lender with the competitive choice of a multi-lender marketplace.

Experience and track record

• In business since 1996
• $7B+ in funded home loans
• 30+ years of mortgage experience
• 400+ five-star reviews across platforms such as Google, Zillow, and Bankrate
• Serving borrowers in 23 states

Austin Capital Mortgage focuses on delivering a high-touch, five-star mortgage experience with broad program access and fast execution.

Types of borrowers served

Austin Capital Mortgage works with a wide range of borrower profiles, including but not limited to:

• First-time homebuyers
• Self-employed borrowers and independent contractors
• Business owners with multiple income sources
• W-2 employees with strong credit profiles
• Move-up and luxury homebuyers who need larger loan amounts
• Homeowners looking to refinance an existing mortgage

The team is experienced with both standard and more complex income and financing situations.

Service approach

Key elements of the service model include:

• Dedicated loan officer who stays with the borrower from pre-approval through closing and funding
• Personalized guidance based on the borrower's goals (e.g., lower monthly payment, less cash to close, faster closing, or lower overall cost of financing)
• Transparent pricing with clear explanations of rate, points, APR, and trade-offs between options
• Fast response times, with an average weekday response time of under one hour
• 24/7 availability for borrower questions and updates

Mission and values

Austin Capital Mortgage's stated mission is to provide the best mortgage experience to every borrower by combining access to multiple lenders, personalized guidance, and a reliable path to funding.

Core values highlighted on the website include:

• Customer-centricity – recommendations are made based on the borrower's goals and overall situation
• Transparency – clear view of pricing from the start and no hidden fees
• Accountability – one loan officer guides the file from pre-approval to funding so borrowers are not re-sending documents at each stage
• Reliability – pre-approvals are aligned with real underwriting standards and loans are funded in-house to help minimize surprises and delays

Typical timelines

For qualified borrowers with complete applications, Austin Capital Mortgage's in-house process is designed to:

• Provide pre-approval in as little as 24 hours (for eligible, complete files)
• Close many loans in approximately 7–21 days, subject to underwriting, appraisal, and file-specific factors

Actual timelines can vary by borrower file, property, and market conditions.

Email (general loans) loans@austincapitalmortgage.com

Office location

Main office address 6615 Vaught Ranch Rd, Suite 200 Austin, TX 78730 United States

Borrowers can contact the office by phone or email to be connected with a loan officer.

Contact hours

The phone line is listed on the website as available:

• Monday–Friday: 9:00 AM – 6:00 PM

Response times for email and web contact forms are generally described as fast, with many inquiries answered in a few hours during business days. Exact response times can vary.

Service area

Austin Capital Mortgage provides home financing solutions for borrowers across 23 states. For questions about whether a specific property location is currently served, borrowers should contact the company directly.

Licensing and regulatory information

• Business name and structure: Austin Capital Mortgage is a DBA of Aspire Home Loans, LLC.
• NMLS ID: Aspire Home Loans, LLC – NMLS #1955132.
• Austin Capital Mortgage identifies itself as an Equal Housing Lender.

Non-discrimination statement

The website notes that the company does not discriminate based on:

• Race or color
• Religion
• National origin
• Sex
• Marital status
• Age
• Disability
• Receipt of public assistance

Texas consumer complaint information

For Texas residents, the website provides the following guidance regarding complaints about a residential mortgage loan originator or company:

• Consumers wishing to file a complaint may contact the Texas Department of Savings and Mortgage Lending.
• The Department's address and a complaint form are provided on the company's website, along with a toll-free consumer hotline number and information about a recovery fund that may reimburse certain actual out-of-pocket damages caused by acts of licensed residential mortgage loan originators.

Borrowers who need the most current contact details, mailing address, or complaint form link should refer to the Austin Capital Mortgage website and the Texas Department of Savings and Mortgage Lending website.

Washington residents

The website states that it is not intended for use by residents of the State of Washington, and the products and services described are not being offered or marketed to Washington residents at this time.

Washington residents are instructed not to use the website to submit information or apply for products or services.

Best ways to reach the team

• For new loan inquiries or questions about programs: call the main phone number or email loans@austincapitalmortgage.com.
• For general questions or to be connected with a specific loan officer: use the contact form or main office contact information on the website.

Lists Austin and Mission as a location. Names Texas, Washington, United States, and Austin as a service area. Areas beyond these are not published.

Prospective borrowers can begin in several ways:

• Requesting a rate quote online (described on the site as taking about one minute, with no impact on credit and no documents required to see initial options)
• Starting a pre-approval request
• Using online tools such as the affordability calculator, mortgage calculator, or live rate comparison tool to explore scenarios

These tools and quotes provide estimates only. Final terms depend on a full application, documentation, and underwriting review.

Pre-approval

Austin Capital Mortgage offers same-day or next-day pre-approvals for eligible, complete applications, with many borrowers receiving pre-approval in as little as 24 hours.

During pre-approval, a loan officer reviews the borrower's:

• Credit profile (subject to the borrower's consent)
• Income and employment history
• Assets and available funds for down payment and closing costs
• Existing debts and obligations

The goal is to provide a realistic price range and identify any potential issues before the borrower makes an offer on a home.

Typical loan process steps

While each file is unique, the general mortgage process at Austin Capital Mortgage typically follows these stages:

1. Initial conversation and goals

Discuss objectives (e.g., monthly payment target, cash to close, desired timeline) and review basic qualifications.

2. Application and documentation

Submit a mortgage application along with supporting documents such as income, asset, and identification records.

3. Pre-approval and program selection

Based on the borrower's file, the loan officer outlines suitable loan programs and structures, and issues a pre-approval for qualified borrowers.

4. Property contract and appraisal

Once under contract on a property, an appraisal is ordered (when required) to confirm value and ensure the home meets applicable guidelines.

5. Underwriting review

Austin Capital Mortgage's in-house underwriting team reviews the full file against program guidelines and issues conditions, if any.

6. Clearing conditions

Borrowers and their loan team work together to satisfy any remaining underwriting conditions.

7. Closing and funding

Final documents are signed and, once all conditions are met, the loan funds and the transaction closes.

In-house execution and communication

Austin Capital Mortgage emphasizes an in-house process for origination, processing, underwriting, closing, and funding. This is intended to:

• Reduce reliance on third-party providers for key steps
• Limit handoffs between multiple companies
• Help shorten timelines from application to closing

Borrowers are assigned a dedicated loan officer who remains their main point of contact throughout the process. The company highlights:

• 24/7 availability for questions and updates
• An average weekday response time of under one hour

Expected timelines

While every loan file, property, and market is different, Austin Capital Mortgage notes the following typical timelines for qualified borrowers with complete documentation:

• Pre-approval: often available in as little as 24 hours for eligible, complete applications
• Closing: many loans can close in approximately 7–21 days, depending on underwriting, appraisal scheduling, and other file-specific factors

These timeframes are not guarantees; actual timelines can be shorter or longer based on the details of the transaction and external factors.

When to contact a loan officer

Borrowers are encouraged to contact a loan officer:

• Before starting a home search, to understand price range and program options
• Before making an offer, to confirm updated numbers and pre-approval status
• When comparing multiple loan options, to review trade-offs between rate, costs, and monthly payment

A loan officer can review the borrower's specific situation and outline realistic options based on current guidelines.

FHA loans

• Designed for buyers who need flexible credit and lower down payment options
• Often a good fit for first-time buyers or borrowers with shorter credit histories or past credit challenges

Conventional loans

• Suited to borrowers with stronger credit and stable income
• Can offer competitive interest rates and flexible terms
• Often a good option for buyers with higher credit scores and at least a modest down payment

VA loans

• Available to eligible veterans, active-duty service members, and certain surviving spouses
• Can allow zero down payment on eligible primary residences
• No monthly mortgage insurance, though a funding fee may apply per VA guidelines

Self-employed and non-traditional income options

Austin Capital Mortgage offers several programs aimed at self-employed borrowers, contractors, and others whose income may not be fully reflected on standard W-2s or tax returns. These include:

• Self-Employed Mortgages – designed for borrowers who may not qualify easily using traditional income documentation
• 1099 Income Home Loans – use 1099 forms instead of W-2s for qualifying eligible independent contractors
• Bank Statement Loans – qualify based on business or personal bank statement deposits over a set period, rather than net income after write-offs
• Profit and Loss (P&L) Loans – use a CPA-prepared profit and loss statement to help document income for eligible self-employed borrowers
• Asset-Based Mortgages – designed for high-net-worth borrowers and retirees who have significant assets but limited reportable income

Jumbo home loans

• Intended for higher-priced homes that require loan amounts above standard conforming limits
• Often used by move-up buyers and luxury home purchasers

Refinance options

Rate-and-term refinance

• For homeowners who want to lower their interest rate, reduce their monthly payment, or change their loan term

Cash-out refinance

• Allows eligible homeowners to tap into home equity
• Common uses include home improvements, debt consolidation, or major expenses

Tools and resources

Austin Capital Mortgage offers online tools to help borrowers explore scenarios before or during the loan process, including:

• Affordability calculator – estimate how much home a borrower may be able to afford based on income, expenses, and down payment
• Mortgage payment calculator – estimate monthly mortgage payments, including principal, interest, and other costs
• Live rate comparison tool – view and compare live mortgage rate scenarios and options on the website

These tools provide estimates only. Exact loan options, pricing, and eligibility depend on a full application and underwriting review.

Matching borrowers to programs

Austin Capital Mortgage uses its access to multiple lenders and programs to help match each borrower to a loan option that fits their scenario. The appropriate program depends on factors such as:

• Credit history and score
• Income type and stability
• Debt-to-income ratio
• Available down payment and reserves
• Property type and price

Because guidelines and pricing can change, borrowers are encouraged to speak directly with a loan officer for current program details and to review their specific file.

Ask anyway — the agent will say plainly that it is not published rather than guess.