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Financing Your Austin Home

The Mortgage and Loan Process

If you are in need of financing for your new property our team along with our lending partners will help you determine the best financing strategy for you to obtain a mortgage that is easy, prudent, and enhances the joy of owning. Our team of lenders have helped thousands of Buyers finance their purchase and we will stand with you to make sure you receive service that is stellar. The process of obtaining a mortgage may appear daunting at first glance however with our team we will make it simple for you. The typical steps taken to obtain financing include:

Financial Pre-Approval

Understanding your purchasing power and determining a financial strategy will allow us to search for a home for you that makes sense to you. This will also provide leverage for you if we end up in a multiple offer situation. A Pre- approval letter gives you the same standing as a cash buyer and will make our offer superior to an offer without a pre-approval letter.


Once we secure the perfect property for you, a mortgage application will be completed and reviewed by a Loan Processor prior to submission to and underwriter for final approval. The lender will ask for pertinent documentation including bank statements. A verification of employment and a credit check will be authorized as well.


After your loan application has been completed the Loan Processor will compile a package and submit it to an Underwriter for review. Upon preliminary approval by the Underwriter a title review and an appraisal will be ordered by the lender. Upon receipt and a positive review of these items you will have final loan approval and we are off to closing!

Apply for a Mortgage

Our Lending Partners

Keller Mortgage Logo

Keller Williams Mortgage

Michelle Ikonen Mortgage Logo

Michelle Ikonen
Legacy Mutual Mortgage

Contact Swanson Realty for Financing Assistance

Loan Options

More choices of loan programs mean more opportunities to fulfill your dream of homeownership. Your Swanson Realty Group Buyer Specialist, in consultation with your lender, can help you carefully weigh the benefits and risks of each option to help you reach your personal and financial goals.

Choosing the right loan type


Mortgage loans are organized into categories based on the size of the loan and whether they are part of a government program.

  • How much you will need for a down payment
  • The total cost of your loan, including interest and mortgage insurance
  • How much you can borrow, and the house price range you can consider

Each loan type is designed for different situations. Sometimes, only one loan type will fit your situation. If multiple options fit your situation, try out scenarios and ask lenders to provide several quotes so you can see which type offers the best deal overall.


  • Majority of loans
  • Typically cost less than FHA loans but can be harder to get


  • Low down payment
  • Available to those with lower credit scores

Special Programs

  • VA: For veterans, servicemembers, or surviving spouses
  • USDA: For low- to middle-income borrowers in rural areas
  • Local: For low- to middle-income borrowers, first-time homebuyers, or public service employees

Mortgage Calculator

By requesting the mortgage calculator results email, you agree to be contacted by email via Swanson Realty.








Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your financial and/or tax advisor.
COMMUNICATION OPT-IN: By requesting the results email, you agree to be contacted by email via Swanson Realty.