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Licensed in Texas · 67 local guides

Texas mortgage local guides: every market we serve

Wise Capital Mortgage is licensed to originate mortgage loans anywhere in Texas, from El Paso to Beaumont and from the Panhandle to the Rio Grande Valley. Find your region below for a local guide to property taxes, neighborhoods and the loan programs that fit.

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Pick your region

Local guides by region

Every guide is written for one market. Start with the one closest to you. If your town is not listed, we still lend there.

Austin

Austin Neighborhoods

Our home market. Neighborhood-level guides for buyers and owners inside Austin. See the Austin guide.

Austin

Austin Metro

Austin and the suburbs that ring it, from Round Rock and Cedar Park to Lakeway and Lago Vista. See the Austin guide.

Austin area

South & Hill Country

Kyle, Buda, San Marcos and the Hill Country towns south and west of Austin. See the Austin guide.

Austin area

East of Austin

Bastrop and Elgin, east of Austin along the Highway 71 and 290 corridors. See the Austin guide.

Central Texas

Killeen & Central Texas

Killeen, Temple and the surrounding towns near Fort Cavazos, where VA loans are especially common, plus Waco.

North Texas

Dallas-Fort Worth

Dallas, Fort Worth and the suburbs across Dallas, Collin, Denton and Tarrant counties.

Gulf Coast

Houston Metro

Houston and nearby Pasadena and Pearland.

South Texas

South Texas & the Valley

San Antonio, the Coastal Bend, Laredo and the Rio Grande Valley.

West Texas

West Texas & the Panhandle

Abilene, Midland, Lubbock, Amarillo and El Paso.

What we offer statewide

The same programs, in every market

Whichever city you are in, you get a licensed loan officer who shops a panel of lenders and matches you to the right program. Each program has its own full guide.

FHA LoansConventionalVA LoansUSDA LoansJumbo LoansBank Statement LoansDown Payment AssistanceRefinancePurchase LoansDSCR Loans
Straight answers

Questions about lending across Texas

Do you lend outside of Austin?
Yes. Wise Capital Mortgage is licensed to originate mortgage loans anywhere in Texas, from El Paso to Beaumont and from the Panhandle to the Rio Grande Valley. The towns on this page have local guides, and if your town is not listed, we still lend there.
Which loan programs are available across Texas?
FHA, VA, USDA, conventional, jumbo, bank statement, refinance and cash-out loans for Texas homes. USDA eligibility depends on the specific address, and VA eligibility depends on your service history.
Are your investor loans only for Texas?
No. Business-purpose loans such as DSCR and fix-and-flip loans on property held in an LLC are available nationwide, excluding a few states that require a consumer lending license. Consumer home loans are for Texas properties.
What is in a local guide?
Each local guide covers one market: how property taxes and neighborhoods work there, and which loan programs tend to fit. Use it to get oriented, then talk to a loan officer about your numbers.
Do I need to live near Austin to work with you?
No. We work with borrowers across Texas by phone, video and online application. You can book a free call from anywhere.
Anywhere in Texas

Book a free call from anywhere in the state

Pick a time and talk it through with a licensed loan officer by video or phone. No matter which city you are in, we will tell you honestly what your best move is.

  • 30 minutes, by video (Google Meet) or phone
  • Free, with no obligation to apply
  • Programs and numbers for your specific Texas market
  • You talk to a licensed loan officer, not a call center

Pick a time that works for you

Choose a slot on the calendar and you will get a confirmation by email. No obligation, no pressure.

Prefer to talk now? Call 737-347-1314 · open the calendar in a new tab.

Licensed to originate consumer mortgage loans in the state of Texas. Business-purpose, LLC-titled DSCR and fix-and-flip loans are available nationwide, excluding a few states that require a consumer lending license. Local guides are informational and are not a commitment to lend or an offer of credit. Wise Capital Mortgage, LLC · 5900 Balcones Drive #23333, Austin, TX 78731 · NMLS #2092335 · Equal Housing Lender. Matthew MontsDeOca, NMLS #1034513.