Talk To - call (512) 773-6729
Talk To Austen - call (512) 773-6729
🏡 What to Expect Next in Your Home Loan Journey
We discuss the steps of the home buying journey ...more
Home Buying ,First Time Home Buyers
October 09, 2025•2 min read
How the One Big Beautiful Bill Act Reshapes Real Estate (And What It Means for You)
Discover how the One Big Beautiful Bill Act impacts taxes, homeownership, and real estate investing—with major benefits for buyers, sellers, and pros. ...more
Mortgage ,Home Buying Reverse Mortgage Investors &Weekly Rate Update
July 22, 2025•0 min read
Rates, Recession, and Real Estate: What’s Really Going On With the Market?
Wondering what’s really going on with the housing market? This post breaks down how tariffs and recession fears impact mortgage rates, why waiting to buy could cost more later, and what rising competi... ...more
Home Buying ,Weekly Rate Update
April 05, 2025•2 min read
Who Has Your Back? The Fiduciary Responsibility of Mortgage Brokers vs. Lenders
When you’re getting a mortgage, you have two main options for who to work with: a mortgage broker or a mortgage lender. While both help borrowers secure home financing, there’s a key difference in wh... ...more
Mortgage ,Home Buying &First Time Home Buyers
March 05, 2025•3 min read
How Rising Property Taxes Impact Your Mortgage Payment
Rising property taxes can increase your mortgage payment, even with a fixed-rate loan. This blog breaks down why taxes go up, how they impact your escrow, and what you can do to manage the costs. Lear... ...more
Mortgage ,Home Buying &First Time Home Buyers
February 17, 2025•3 min read
A Guide to Down Payment Assistance Programs
For many homebuyers, the biggest hurdle to homeownership is coming up with the down payment. ...more
Mortgage ,Home Buying &First Time Home Buyers
February 01, 2025•3 min read
Which One is Right for You?
Choosing the right mortgage program is a crucial step in buying a home. FHA, VA, Conventional, and USDA loans each offer unique benefits depending on your financial situation and homeownership goals. ...more
Mortgage ,Home Buying &First Time Home Buyers
February 01, 2025•3 min read
Understanding Portfolio and DSCR Financing for Real Estate Investors
For real estate investors looking to scale their holdings, traditional mortgage options may not always be the best fit. ...more
Mortgage ,Home Buying &Investors
February 01, 2025•2 min read
30-Year vs. 15-Year Mortgage: Which One is Right for You?
Choosing between a 30-year and a 15-year mortgage is one of the biggest decisions homebuyers face ...more
Mortgage ,Home Buying
February 01, 2025•2 min read
Austen Smith - NMLS# 265697
Austen Smith
Mortgage Expert
Get a personalized and successful home loan approval experience
See how much you qualify for in 60 seconds or less.
Your trusted mortgage partner in Central Texas.
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Austen Smith | Certified Mortgage Planning Specialist | NMLS# 265697
Barton Creek Lending Group | NMLS# 264320
