Austin Mortgage Broker: Home Loans for Central Texas
Independent Austin mortgage broker comparing more than 50 wholesale lenders for purchases and refinances across Travis, Williamson, Hays and Bexar.
Free pre-approval · No obligation · Mon–Sat 9 AM–7 PM
CapFi Lending is an independent mortgage broker in Austin
CapFi Lending is an independent, locally owned Austin mortgage broker, NMLS 1692019. Instead of offering one lender’s programs, we compare pricing and programs across more than 50 wholesale lenders for your scenario and show you the options side by side. For local guidance, see Austin neighborhoods and home loans.
With 22 years of experience helping buyers and homeowners, we shop multiple lenders for FHA, VA, conventional, jumbo, DSCR, bank statement, and first-time buyer loans. Call or text (512) 593-1336 for a free pre-approval.
- 50+lenders
- 4.9 starsfrom 79 Google reviews
- Mon–Sat9 AM–7 PM
Visit by appointment: 2617 Willow St, Unit 1, Austin, TX 78702 · (512) 593-1336 · Directions
You work with the same local loan officer from application to closing, and get straight answers about rate, APR and costs before you commit.
Not sure whether a broker or a bank is right for you? Read why Austin borrowers use a mortgage broker, or see this week’s Austin mortgage rates with APR.
A broker compares many lenders; a bank offers only its own loans
A bank or retail lender offers its own loan programs and its own pricing. A mortgage broker can compare several lenders’ programs for the same loan request.
| CapFi Lending (mortgage broker) | Bank or retail lender | |
|---|---|---|
| Lenders | 50+ lenders | One: the bank or lender itself |
| Programs | Conventional, FHA, VA, jumbo, plus DSCR, bank statement and other non-QM programs through specialty lenders | Limited to the programs that one lender offers |
| How shopping works | We compare pricing and programs across the lenders that fit your scenario and show you the options side by side. | To compare, you apply separately with each lender |
| Who you work with | The same local loan officer from application to closing | A loan officer employed by that lender |
| Who funds the loan | The wholesale lender you choose | The bank or lender itself |
As an independent mortgage broker, you get…
- Access to more than 50 wholesale lenders, and we can add one if your deal needs it
- A local Austin team
- An NMLS-licensed broker: CapFi Lending, NMLS 1692019
How it works:
- Tell us your goal and scenario.
- We compare programs from lenders that fit.
- You choose the option, and we manage the file through closing.
Questions? Call or text (512) 593-1336 or start an application online.
We arrange conventional, FHA, VA, jumbo and non-QM loans
Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.
Fill out the Quick 1-Minute Loan Request to start a discussion about your mortgage needs today!
We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.
- Speak to a Local Mortgage Professional
- Free Consultation
- Call or Text Mon–Sat, 9 AM–7 PM
Everything we do is built on our clients’ trust.
What our customers say
I had a great experience working with Dustin and the entire CapFi team. From the start, Dustin was very responsive in answering all emails, text and phone calls (typically instantly or within minutes). Additionally, Dustin was very patient in answering all of my questions and explaining things in detail. … Ultimately, Dustin and team delivered everything as promised for an on-time close in a swift timeline. I would definitely do business with Dustin and team again!
I’m incredibly grateful to this outstanding team for helping my wife and me purchase our first home. From start to finish, the process was smooth, efficient, and well-organized. Communication was excellent throughout, and we always felt informed every step of the way. … Because of this amazing team, along with our fantastic realtor, we are now proud first-time homeowners.
Clay and the Capfi team were an absolute pleasure to work with from start to finish. Their professionalism, expertise, and collaborative approach made the entire process seamless and enjoyable. They consistently demonstrated a strong commitment to quality and clear communication, which really set them apart.
Dustin at CapFi Lending was excellent to work with. He was responsive, knowledgeable, and made the entire loan process smooth and stress-free. He kept us informed at every step and ensured we closed before expected closing date. Highly recommend!
Working with Clay was amazing, he was always available to answer our questions and offer helpful advice throughout our home buying process. Clay and CapFi as a whole made everything easy and stress-free. Highly recommend!
Strong work from Clay and Li, great communication and very efficient. Highly recommend!
Self-Employed Mortgages: Compare Your Loan Options
Mortgage TipsSelf-employed? Your tax returns may not show everything you earn. Here’s how to compare your loan options.
Conventional vs. FHA Loans: Compare Austin Options
FHA LoanChoosing between conventional and FHA financing can feel confusing. Here’s how the two compare for Austin buyers.
Mortgage Preapproval: How Austin Buyers Prepare
Mortgage TipsGetting preapproved before you shop makes your offer stronger. Here’s what to gather and what to expect.
Areas we serve
Travis County
Bexar County
San Antonio
Statewide Texas
Buying or refinancing elsewhere in Texas? CapFi Lending works with clients statewide, including Houston, Dallas–Fort Worth and San Antonio, with the same 50+ wholesale lenders and the same local team in Austin.
Answers to common mortgage questions
What does a mortgage broker do?
A mortgage broker compares loan programs from multiple wholesale lenders, helps you choose the best fit, and manages the file from application to closing. A bank can only offer its own products.
Is CapFi Lending a local Austin company?
Yes. CapFi Lending is an independent mortgage broker based at 2617 Willow St, Unit 1, in East Austin, serving Travis, Williamson, Hays, and Bexar counties.
What types of home loans does CapFi offer?
Conventional, FHA, VA, jumbo, DSCR and investment property loans, bank statement and other self-employed programs, new construction, and refinances.
Can you help if I’m self-employed or have non-traditional income?
Yes. Depending on your situation, we can compare full-documentation loans with bank statement, 1099, or asset-based programs from several lenders.
How do I get pre-approved?
Call or text (512) 593-1336 or apply online. We review your income, assets, and credit, then issue a pre-approval letter you can use when you make an offer.
What are your hours?
We answer calls and texts Monday through Saturday, 9 AM to 7 PM. Office visits are by appointment only; we don’t take walk-ins.