Mortgage Options • Licensed in Texas
Mortgage Options for the Way You Earn, Own & Move
Wholesale Rates. Boutique Personal Guidance. Zero Corporate Runaround.
As an independent wholesale mortgage broker, Adam Styer shops across many wholesale lenders to match your specific scenario. Whether you are buying your first home, working for yourself, building a custom residence, or expanding a national rental portfolio, start with the path that fits how you actually earn.
Find Your Starting Point
Which Situation Sounds Like Yours?
Browse tailored mortgage solutions organized around your life, income structure, and property goals.
Self-Employed & Alternative Income
Qualify on real cash flow instead of net taxable profit. Compare 12–24 month bank statements, 1099s, and P&L loans without amending tax returns.
Home Buying & Pre-Qualification
Competitive wholesale pricing on Conventional, FHA, and VA loans. Low down payments from 3% to 5% with My team and I send the conditions list before you write the offer.
Jumbo & High-Net-Worth
Financing from $833k to $3M+ across Austin luxury markets. Structure loans using public tech RSUs, asset depletion, or 10% down to $1.5M with no PMI.
Buy Before You Sell
Make a non-contingent cash-like offer on your next home before selling your current one. Avoid double moves, temporary rentals, and contingent offer rejections.
Construction Loans
One-Time Close (OTC) construction financing combining land purchase, construction, and permanent mortgage into a single closing with one set of fees.
Investment Property & DSCR
Qualify based on rental property cash flow with zero personal income verification. Texas DSCR lending through Go Rascal Inc.
Refinance & Home Equity
Lower your monthly payment, drop private mortgage insurance, or tap equity with Texas 50(a)(6) home equity loans and standalone HELOC options.
Program Directory
Go Straight to the Program Details
Explore guidelines, requirements, and documentation rules for every loan program we offer.
Home Purchase Loans
Alternative Doc & Non-QM
Move & Build Custom
Refinancing & Equity
Clear Answers
Frequently Asked Questions
Practical answers before choosing a mortgage path in Austin and Texas.
Do I need to know which mortgage program I want before reaching out?
No. Most borrowers start with their scenario: how they get paid, how much they want to put down, and what property they want to purchase. As an independent wholesale broker, Adam Styer evaluates your file across many wholesale lenders to match you with the optimal program.
Can a self-employed business owner qualify for a conventional loan?
Yes. Many self-employed borrowers qualify for standard conventional or jumbo loans when allowable add-backs (like depreciation) support sufficient net income. When write-offs make taxable income too low, bank statement and 1099 loans provide non-QM alternatives.
How does working with an independent mortgage broker differ from a retail bank?
A retail bank only offers their own proprietary loan menu with massive corporate overhead and rigid underwriting boxes. If your file doesn't fit, they simply say no. As an independent broker, I shop across many wholesale lenders to compare the rate, the fees, and the underwriter that actually welcomes your scenario.
What is a scenario review, and does it pull my credit?
A scenario review is a direct, confidential 1-on-1 financial analysis with Adam Styer. There is no hard credit inquiry and no application fee. We review your numbers and give you clear answers on programs, rates, and purchasing power before you apply.
Let's Find Your Starting Point
Ready to Compare Your Best Mortgage Options?
Tell Adam about your purchase or refinance goal. No hard credit pull, no corporate spam, and direct 1-on-1 guidance.
Or call directly: (512) 956-6010