From Westlake to Cedar Park, we help Austin families finance their dreams with local expertise and 21-day closings. RSU income specialists, jumbo loan experts — no broker fees ever. We also offer conventional financing, VA mortgages, and Texas cash-out refinance across Travis County and serve San Antonio and Waco mortgage lender markets nearby.
Austin sellers choose the buyer who can close fastest. Our in-house underwriting team keeps your file moving — no waiting on a bank to approve what we already know. New to the market? Start with our first-time home buyer programs or check down payment assistance options.
Start Your ApplicationApple, Tesla, Oracle, Dell — we know how to qualify tech compensation the right way.
Every Austin buyer is different. From Westlake Jumbo buyers to East Austin first-timers — we match you to the program that wins.
We qualify Austin tech employees using RSU income from Apple, Tesla, and Oracle. Jumbo programs go well above the $832,750 Travis County conforming limit.
As low as 3% down for first-time buyers. Perfect for Travis County condos, townhomes, and single-family homes in Buda, Kyle, and Georgetown.
Minimum 3.5% down with flexible credit guidelines. A great entry point for buyers purchasing in Round Rock, Pflugerville, or East Austin neighborhoods.
No down payment, no PMI for veterans. We serve active duty families at Fort Cavazos and veterans across the greater Austin metro area.
Austin's suburbs are booming. We work directly with builders in Steiner Ranch, Leander, and Liberty Hill to lock your rate early and close on time.
Austin home values have soared. Tap your equity for home improvements, debt consolidation, or investment — all governed by Texas's unique 80% LTV rules.
Property tax is half of your monthly housing cost in Texas. Get an exact estimate for Travis County with homestead exemption math built in. Combine it with our home affordability calculator for a true Austin buying-power picture.
Estimate my property taxWe stripped away the bank bureaucracy. Here is your new path home in Austin.
Sync your bank data securely. No PDFs or faxing tax returns. Our digital application takes under 10 minutes.
Get a verified approval letter that is as good as cash to Austin sellers. We issue credit-cleared approvals within 48 hours.
Sign 90% of docs online. Show up to a local Austin title company just for the keys. Our average close time is 21 days.
Our team operates out of our San Antonio office at 1846 N Loop 1604 W, Ste 205, serving Austin borrowers via phone, video, and remote closings. Texas-licensed and dedicated to fast, transparent service.
Branch Manager & Loan OriginatorNMLS #1775990
Ben Gheliuc runs the STX Lending branch in San Antonio. Before mortgages, he spent over a decade as a mechanical engineer managing large commercial projects. He moved into the mortgage industry in...
Meet Ben
Mortgage Loan OriginatorNMLS #1183936
Isliana Norwood has been originating mortgages in San Antonio for 12 years. She started in college as a Loan Officer Assistant and stayed in the industry because she liked the work of getting...
Meet Isliana
Mortgage Loan OfficerNMLS #1013126
Mary Gale is a Mortgage Loan Officer at STX Lending and has been licensed in the industry since 2020. Before mortgages she spent more than seven years as an Executive Assistant and Bookkeeper at a...
Meet MaryWe operate one Texas office and serve Travis and Williamson counties and Central Texas borrowers by phone, video, and remote closings.
Join hundreds of Austin homeowners who chose a smarter lender. No broker fees. No delays. Just local expertise.