Austin, Texas · NMLS #2092335 · Equal Housing Lender
Meet the mortgage hero built for your loan
Wise Capital Mortgage matches every borrower with the specialist for their exact scenario — first-time buyer, investor, flipper or homeowner — across conventional, government and specialty loans. Your Mortgage. Your Empire.
50+
loan programs offered
0%
down payment options available
TX
licensed & local to Austin
Why borrowers choose Wise Capital
Broker, not one bank
We compare wholesale lenders for your scenario instead of selling one bank's rate sheet.
Fast, local underwriting
Austin-based loan officers who answer the phone and close on time.
Free appraisal offer
First 100 new clients are reimbursed for their appraisal at funding.
Loan Types
Every major loan program, under one Austin roof
From first-time buyers to seasoned investors, we originate the full range of purchase, refinance and specialty financing.
Conventional
As little as 3% down, no government backing required.
FHA
3.5% down with flexible credit guidelines.
VA
100% financing for veterans & service members.
USDA
100% financing in eligible rural & suburban areas.
Bank Statement
Qualify on deposits — built for the self-employed.
DSCR
Qualify investment property on rental cash flow.
Fix & Flip / Hard Money
Fast, asset-based capital for investors.
Refinance & Cash-Out
Lower your rate or tap your home's equity.
Meet Your Mortgage Heroes
A specialist for every part of your loan
Instead of one generalist, you get matched to the Hero built for your exact scenario.
How It Works
Four steps from application to keys
01
Apply
Tell us about your goals in a short online application.
02
Get matched
We shop your scenario across our lender panel for the best program.
03
Lock your rate
Review your options and lock in with full transparency on cost.
04
Close
Our team keeps underwriting moving so you close on schedule.
Meet The Team
Local loan officers who pick up the phone
Based in Austin and licensed across Texas, our officers guide every file personally from application to closing table.
Meet the full team
Matthew MontsDeOca
"We treat every file like it's our own home closing."
Service Area
Proudly serving Austin and Central Texas
Licensed to originate loans across the state of Texas, with deep roots in these communities.
AustinRound RockLeanderCedar ParkBudaKilleenTempleGeorgetownSan Antonio
FAQ
Common mortgage questions
How much down payment do I actually need?
It depends on the program: conventional loans start at 3% down, FHA at 3.5%, while VA and USDA loans offer 100% financing for eligible borrowers. Grant and down payment assistance programs can reduce this further.
Can I qualify if I'm self-employed?
Yes. Our bank statement and Non-QM programs qualify borrowers using deposits or assets instead of tax returns, which is common for self-employed buyers and investors.
Do you lend outside of Austin?
We're licensed to originate loans throughout Texas, with dedicated coverage in Round Rock, Leander, Cedar Park, Buda, Killeen, Temple, Georgetown and San Antonio.
How fast can I close?
Timelines vary by loan type, but our local underwriting and hard money programs are built to close quickly when a deal is time-sensitive.
Ready to see your real rate?
No obligation. Answers from a real Austin loan officer.