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164 resources
- Self-employed mortgage optionsSelf-employed
- Mortgage planning for business ownersSelf-employed
- Bank statement loans in TexasSelf-employed
- P&L mortgage loans in TexasSelf-employed
- 1099-only mortgage loans in TexasSelf-employed
- Qualifying for a mortgage with K-1 incomeSelf-employed
- Business-owner mortgage preparation checklistSelf-employed
- How lenders review bank statementsSelf-employed
- Self-employed tax-return income: add-backs and averagingSelf-employed
- Preparing for a self-employed mortgageSelf-employed
- Mortgages for asset-rich borrowersAssets
- Asset depletion mortgages in TexasAssets
- Reverse mortgages in TexasAssets
- Investment property financingInvestors
- DSCR loans in TexasInvestors
- DSCR loans in AustinInvestors
- DSCR loans in FredericksburgInvestors
- DSCR loans in Dripping SpringsInvestors
- DSCR cash-out refinance in TexasInvestors
- Investment property loan requirementsInvestors
- DSCR vs conventional investment property loansInvestors
- Low-DSCR and no-ratio rental loansInvestors
- DSCR cash-out refinance and BRRRRInvestors
- DSCR loans for Airbnb and short-term rentalsInvestors
- DSCR loan requirements in TexasInvestors
- How DSCR loans work in AustinInvestors
- Buying a homeHomebuying and refinance
- Refinancing and cash-out optionsHomebuying and refinance
- Conventional home loansHomebuying and refinance
- Jumbo mortgage optionsHomebuying and refinance
- FHA loans in AustinHomebuying and refinance
- VA home loans in TexasHomebuying and refinance
- Construction loan optionsHomebuying and refinance
- One-time-close construction loans in TexasHomebuying and refinance
- Review my construction projectHomebuying and refinance
- Buy before you sell in AustinHomebuying and refinance
- Texas home equity loans and HELOCsHomebuying and refinance
- Non-QM mortgage optionsHomebuying and refinance
- What is a Non-QM loan?Homebuying and refinance
- Buying the home you rent in TexasHomebuying and refinance
- Texas jumbo loan requirementsHomebuying and refinance
- Should I refinance? Break-even and costsHomebuying and refinance
- VA loan eligibility in TexasHomebuying and refinance
- Cash-out refinance costs and trade-offsHomebuying and refinance
- How long mortgage pre-qualification takesHomebuying and refinance
- FHA vs conventional loansHomebuying and refinance
- Texas down payment assistance programsHomebuying and refinance
- How to buy before selling your current homeHomebuying and refinance
- Physician mortgage options in TexasHomebuying and refinance
- ITIN mortgage qualification in TexasHomebuying and refinance
- First-time homebuyer assistance in AustinHomebuying and refinance
- FHA loan requirements in TexasHomebuying and refinance
- Condo mortgage requirements in AustinHomebuying and refinance
- Mortgage scenarios and case studiesScenarios
- Asset depletion after two bank declinesScenarios
- 1099 bank-statement cash-out refinance scenarioScenarios
- Two-rental-property cash-out reviewScenarios
- Buying your rental home with gift fundsScenarios
- Building on owned land before sellingScenarios
- Asset-rich buyer with limited income historyScenarios
- Former CFO asset-depletion case studyScenarios
- Veteran retirement-asset qualification case studyScenarios
- Mortgage calculatorsCalculators
- Mortgage payment calculatorCalculators
- Home affordability calculatorCalculators
- DSCR rental property calculatorCalculators
- Asset depletion income calculatorCalculators
- Refinance break-even calculatorCalculators
- Temporary rate buydown calculatorCalculators
- Wraparound mortgage calculatorCalculators
- All mortgage optionsGuides and resources
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- Mortgage articles and market updatesGuides and resources
- About Adam and the teamGuides and resources
- Client and partner reviewsGuides and resources
- Request a mortgage pre-qualification reviewGuides and resources
- Mortgage pre-qualificationGuides and resources
- Review my refinance scenarioGuides and resources
- Compare my mortgage offerGuides and resources
- Mortgage rate alertsGuides and resources
- Austin mortgage ratesGuides and resources
- Austin housing marketGuides and resources
- How to buy a house in AustinGuides and resources
- Mortgage pre-qualification in AustinGuides and resources
- How much house can I afford in Austin?Guides and resources
- Austin down payment assistance programsGuides and resources
- Texas closing costs explainedGuides and resources
- Fixed vs adjustable-rate mortgagesGuides and resources
- Improve your credit score for a mortgageGuides and resources
- Mortgage broker vs bankGuides and resources
- Mortgage terms explainedGuides and resources
- First-time-buyer down payment helpGuides and resources
- First-time homebuyer guideGuides and resources
- Why mortgage rates are risingGuides and resources
- When you can’t control it, surrender itGuides and resources
- The AI trap I walked right intoGuides and resources
- Oil prices, jobs and mortgage rate volatilityGuides and resources
- Mortgage rates and inflation: June 2026Guides and resources
- Why home prices aren’t crashingGuides and resources
- Switching mortgage lenders under contractGuides and resources
- Why mortgage rates improved: March 30, 2026Guides and resources
- Austin spring housing market updateGuides and resources
- How to choose a mortgage lender in AustinGuides and resources
- How to compare two mortgage offersGuides and resources
- Mortgage document checklist by income typeGuides and resources
- APR vs interest rateGuides and resources
- Are mortgage lender fees negotiable?Guides and resources
- Is a lower note rate the cheapest loan?Guides and resources
- How many mortgage quotes should I get?Guides and resources
- How to read a Loan EstimateGuides and resources
- Local lender vs online lenderGuides and resources
- What delays closing when switching lenders?Guides and resources
- What to compare besides mortgage rateGuides and resources
- The financing goal behind a lower rateGuides and resources
- Austin mortgage rates: March 2026 archiveGuides and resources
- Austin housing market report: August 2026Guides and resources
- Austin housing market report: April 2026Guides and resources
- Should you wait for mortgage rates before moving?Guides and resources
- Austin and Central Texas mortgage service areasLocal guidance
- Pflugerville mortgage optionsLocal guidance
- Leander mortgage optionsLocal guidance
- Georgetown mortgage optionsLocal guidance
- Round Rock mortgage optionsLocal guidance
- Cedar Park mortgage optionsLocal guidance
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- Kyle mortgage optionsLocal guidance
- Bastrop mortgage optionsLocal guidance
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- Buda mortgage optionsLocal guidance
- Bee Cave mortgage optionsLocal guidance
- Hutto mortgage optionsLocal guidance
- Westlake Hills mortgage optionsLocal guidance
- New Braunfels mortgage optionsLocal guidance
- Lakeway mortgage optionsLocal guidance
- Manor mortgage optionsLocal guidance
- Dripping Springs mortgage optionsLocal guidance
- Smithville mortgage optionsLocal guidance
- Jarrell mortgage optionsLocal guidance
- Florence mortgage optionsLocal guidance
- Spicewood mortgage optionsLocal guidance
- Elgin mortgage optionsLocal guidance
- Marble Falls mortgage optionsLocal guidance
- Taylor mortgage optionsLocal guidance
- Dallas mortgage optionsLocal guidance
- San Antonio mortgage optionsLocal guidance
- Compare a mortgage offer in Round Rock and PflugervilleLocal guidance
- Compare a mortgage offer in Cedar Park and LeanderLocal guidance
- Compare a mortgage offer in Georgetown and HuttoLocal guidance
- Compare a mortgage offer in Buda, Kyle and San MarcosLocal guidance
- Compare a mortgage offer in New BraunfelsLocal guidance
- Mortgage resources for professional partnersPartners
- Mortgage resources for RealtorsPartners
- Mortgage resources for Texas CPAsPartners
- Mortgage strategies for financial advisorsPartners
- Mortgage case studies for advisors and CPAsPartners
- Reverse mortgage planning for financial advisorsPartners
- Realtor tools and market updatesPartners
- Helping buyers with the wait-for-rates objectionPartners
- Mortgage options when other lenders say noPartners
- AI tools and mortgage rate update: February 2026Partners
- Six financing scenarios for nontraditional buyersPartners
- Housing market data for buyer conversationsPartners
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Self-employed income
Rental properties
Assets and investments
Refinancing and equity
Choosing a loan
The First-Time Homebuyer Guide
10 things every first-time buyer in Austin needs to know before they sign anything. Credit scores, down payment myths, deal-killing mistakes, and Texas-specific programs.
Get the Free GuideMortgage Calculators
Payment, affordability, refinance break-even, rate buydown, and WRAP mortgage calculators.
Explore calculators ToolRate Buydown Calculator
Compare 2-1 and 1-0 temporary buydown scenarios with shareable results.
Open tool ToolWRAP Mortgage Calculator
Analyze seller financing and wraparound mortgage scenarios for Texas properties.
Open tool BlogAustin Mortgage Blog
Weekly market updates, rate analysis, and homebuying insights from Adam Styer.
Read articles GuideDown Payment Assistance Programs
Texas and Austin-area programs that can cover your down payment and closing costs.
Read guide GuideTexas Closing Costs Guide
What to expect for buyer and seller closing costs in Texas, with strategies to reduce them.
Read guide GuideMortgage Options for Business Owners
Why your taxable income can look smaller than what the business actually earns, and the programs that read the fuller picture — bank statements, P&L, asset depletion.
Read guide GuideBuy Before You Sell
How to buy your next Austin-area home before the current one sells — the approaches to compare, and the tradeoffs to weigh before you write the offer.
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- Mortgage scenarios and case studies
- Mortgage calculators
- Mortgage articles and market updates
- Compare my mortgage offer
- Austin mortgage rates
- Austin housing market
- Texas closing costs explained
- Fixed vs adjustable-rate mortgages
- Improve your credit score for a mortgage
- Mortgage broker vs bank
- Mortgage terms explained
- Austin and Central Texas mortgage service areas
- Mortgage resources for professional partners