Austin, Texas

Every mortgage loan program we originate

Wise Capital Mortgage is a licensed Texas broker shopping conventional, government-backed and specialty financing across our lender panel. Pick a program below for full eligibility details.

Conventional Mortgage

As little as 3% down, no government backing required. Best for strong credit and stable income.

FHA Loans

3.5% down with flexible credit and income guidelines. Great for first-time buyers.

VA Loans

100% financing, no PMI, for veterans, active duty and eligible spouses.

USDA Loans

100% financing for eligible rural and suburban Texas properties.

Bank Statement Loans

Qualify on deposits instead of tax returns — built for the self-employed.

DSCR Loans

Qualify investment property purchases on rental cash flow, not personal income.

Fix & Flip / Hard Money

Fast, asset-based capital for renovation and short-term investment deals.

Private Capital

Private Equity

Capital that sits behind your senior debt to close the gap on larger projects — same asset-based underwriting as hard money.

Refinance & Cash-Out

Lower your rate, shorten your term, or tap your home's equity.

Grants & Down Payment Assistance

TSAHC, TDHCA and City of Austin grants covering 3%-5% of your loan amount. See if you qualify.