Business Details
Your Trusted Mortgage Partner in Austin
At Westate Mortgage & Realty, we are dedicated to redefining excellence in the mortgage industry through unwavering commitment to customer service. Our team specializes in residential lending, guiding clients through every step of the home loan process to ensure informed decisions tailored to individual needs. With a focus on personalized solutions, we offer a diverse range of loan programs, including purchase, refinance, and specialized options for unique financial situations. Our expertise extends to alternative income qualifying loans, flexible mortgage products, and real estate investment financing, ensuring accessibility for self-employed individuals and those with non-traditional income sources.We prioritize transparency and client education, fostering long-term relationships built on trust and mutual success. By combining innovative financial tools with a client-first approach, we empower homeownership dreams while maintaining the highest standards of professionalism and integrity.
Services
Purchase Loans
Refinance Loans
Construction Loans
Home Equity Loans
Jumbo Loans
FHA Loans
VA Loans
Reverse Mortgages
Flexible Mortgage Programs
Investor Mortgage Solutions
Highlights and features
- We offer alternative income qualifying loans with flexible requirements for challenging financial situations.
- Our team specializes in mortgage programs tailored for self-employed individuals and real estate investors.
- We provide personalized guidance through the entire home loan process with a client-first approach.
- Our competitive rates and diverse loan options cater to both traditional and non-traditional borrowers.
- We maintain transparency with no hidden fees and clear communication throughout the lending process.
Associations and certifications
- NMLS
What people say
Patient and knowledgeable
Smooth sailing transaction
Anticipates market changes
Exceeds expectations
Highly recommended
Services
Purchase Loans
Our purchase loan programs provide tailored financing solutions for first-time buyers and experienced homeowners. We offer competitive rates with flexible down payment options ranging from 3% for FHA loans to conventional programs requiring 20% down. Our team guides clients through property selection, pre-approval, and closing processes while explaining all associated costs and timelines.
Refinance Loans
We help homeowners reduce monthly payments, shorten loan terms, or access home equity through rate-and-term and cash-out refinancing options. Our specialists analyze current mortgage terms against market conditions to determine optimal refinancing opportunities while explaining potential savings and associated closing costs.
Construction Loans
Our construction loan programs finance custom home builds and major renovation projects. We provide phased funding during construction with temporary interest-only payments, transitioning to permanent financing upon completion. Our team works closely with builders and architects to ensure funding aligns with project timelines and budget requirements.
Jumbo Loans
We offer jumbo loan programs for properties exceeding conventional loan limits, currently $417,000. These non-conforming loans feature competitive rates for qualified borrowers seeking financing for luxury homes or properties in high-cost markets, with flexible documentation options for self-employed applicants.
Investor Mortgage Programs
Our investor mortgage solutions enable real estate investors to finance multiple properties with streamlined qualification based on property cash flow rather than personal income. We offer competitive terms for portfolios ranging from single-family rentals to multi-unit complexes, with options for both seasoned investors and first-time landlords.
People
Maggie Phung
Mortgage Broker
NMLS-licensed mortgage broker with extensive experience in residential lending, specializing in non-traditional loan programs. Maggie provides personalized guidance through complex financing scenarios while maintaining clear communication throughout the loan process.
John Nguyen
Realtor & Real Estate Investment Expert
Certified real estate professional with ABR, CMA, and RENE designations, offering expertise in Austin and Houston Metro property markets. John specializes in investment property acquisitions and provides market analysis for both residential and commercial real estate opportunities.
Questions
What types of mortgage loans do you offer?
We provide purchase loans, refinancing options, construction loans, jumbo loans, FHA/VA programs, reverse mortgages, and specialized financing for self-employed individuals and real estate investors.
How can I apply for a mortgage?
Start your application online through our secure portal or contact us directly at 512-573-9546 for personalized guidance. Our team will help you choose the right loan program and gather required documentation.
Do you offer loans for investment properties?
Yes, we have specialized mortgage programs for real estate investors that qualify based on property cash flow rather than personal income, with loan amounts up to $2.5 million.
What areas do you serve?
We primarily serve the Austin and Houston Metro areas, providing both mortgage financing and real estate services to clients throughout Texas.
Can self-employed individuals qualify for mortgages?
Absolutely. We offer specialized programs that use bank statements to verify income, eliminating the need for traditional tax returns while considering past credit challenges.
