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Talk To Austen - call (512) 773-6729

Rates, Recession, and Real Estate: What’s Really Going On With the Market?

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, 20252 min read

Who Has Your Back? The Fiduciary Responsibility of Mortgage Brokers vs. Lenders

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, 20253 min read

How Rising Property Taxes Impact Your Mortgage Payment

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, 20253 min read

A Guide to Down Payment Assistance Programs

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, 20253 min read

Which One is Right for You?

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, 20253 min read

Understanding Portfolio and DSCR Financing for Real Estate Investors

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, 20252 min read

30-Year vs. 15-Year Mortgage: Which One is Right for You?

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, 20252 min read

Four Ways Sellers Benefit from Seller-Paid Points

Four Ways Sellers Benefit from Seller-Paid Points

Offering seller-paid points can be a powerful tool in today’s real estate market. ...more

Home Buying

February 01, 20251 min read

Is This a Good Time to Buy a House?

Is This a Good Time to Buy a House?

With changing market conditions and fluctuating interest rates, many prospective homebuyers are asking: Is now the right time to buy a home? ...more

Mortgage ,Home Buying

February 01, 20252 min read

Austen Smith - NMLS# 265697

Austen Smith

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Austen Smith | NMLS 265697

3201 Menchaca Rd

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Austen Smith, Mortgage Expert

NMLS# 265697