Business Details
30 Years
experience
Your Trusted Mortgage Broker in Austin, TX
Austin Capital Mortgage has been a trusted leader in the mortgage industry since 1996, dedicated to empowering families, business owners, and first-time buyers to achieve homeownership. As independent mortgage brokers, we differentiate ourselves by shopping across a network of 100+ lenders to secure the best rates and terms tailored to each clients unique financial situation. Our in-house underwriting team ensures faster approvals, with pre-approvals completed in as little as one day and closings within 14 days. Specializing in conventional loans, VA loans, FHA loans, jumbo loans, and specialized programs for self-employed borrowers, we combine decades of local expertise with a commitment to transparency and personalized service.Our team of award-winning loan officers, including industry veterans like President Charlie Cooper and Director of Operations Jeff Wilkinson, brings over 25 years of combined experience to every transaction. With a 5-star average rating across major review platforms, we pride ourselves on eliminating hidden fees, offering 24/7 support, and maintaining a client-centric approach that extends beyond closing. Our mission is to simplify home financing through expert guidance, competitive rates, and a seamless digital application process that adapts to modern borrowers needs.
Services
Home Purchase Loans
Mortgage Refinancing
Cash-Out Refinance
VA Loans
FHA Loans
Conventional Loans
Jumbo Loans
First-Time Home Loans
Debt Consolidation
Construction Loans
Details
- Year established: 1996
Highlights and features
- We shop 100+ lenders to secure the lowest rates and closing costs
- Our in-house underwriting ensures faster loan approvals
- 100% online application with secure document uploads
- Specialized strategies for self-employed and 1099 income borrowers
- 24/7 support with direct access to dedicated loan officers
Associations and certifications
- FDIC
What people say
5-star ratings
Fast approvals
Transparent pricing
Expert guidance
24/7 availability
Services
Home Purchase Loans
Austin Capital Mortgage offers tailored home purchase loans for first-time buyers, veterans, and self-employed individuals. Our brokers access 100+ lenders to find competitive rates and terms. With in-house underwriting, we provide 1-day pre-approvals and 14-day closings, supporting conventional, FHA, VA, and jumbo loan options across Texas.
Mortgage Refinancing
We specialize in mortgage refinancing solutions to lower payments, reduce loan terms, or access home equity. Our rate-and-term refinancing and cash-out options help clients save money or fund major expenses. With direct underwriter access, we streamline the process for Texas homeowners seeking improved financial outcomes.
Cash-Out Refinance
Our cash-out refinance program allows homeowners to leverage built-up equity for debt consolidation, home improvements, or major purchases. We guide clients through securing favorable terms while maintaining compliance with Texas lending regulations, ensuring transparent transactions with no hidden fees.
VA Loans
Designed for military veterans and spouses, our VA loan program offers low-rate mortgages with zero down payment requirements. We specialize in expedited processing for eligible service members, providing expert guidance through the VA approval process while maintaining strict adherence to federal lending standards.
Construction Loans
We provide specialized construction loans for custom home builds, with phased funding disbursements tied to project milestones. Our team coordinates with builders and title companies to ensure smooth financing from groundbreaking to permanent mortgage conversion, serving clients across Texas' major metropolitan areas.
People
Charlie Cooper
President
With over 25 years in mortgage finance, Charlie Cooper leads Austin Capital Mortgage's strategic direction. A University of Houston graduate in Finance, he combines entrepreneurial expertise with deep Texas market knowledge. His leadership focuses on innovative loan solutions and maintaining the company's 5-star service reputation.
Jeff Wilkinson
Director of Operations
Jeff Wilkinson oversees daily operations with 28 years of mortgage industry experience since joining in 1996. A former collegiate football player, he applies competitive drive to streamline loan processes. His international background informs a client-centric approach to mortgage servicing.
Kari Cooper
Business Development
Kari Cooper leads business development initiatives with a decade of mortgage marketing expertise. A Bauer School of Business graduate, she specializes in connecting Texas borrowers with tailored financing solutions. Her background in African American studies informs inclusive lending practices.
Tom Oltmann
Loan Originator
NMLS #308768 Tom Oltmann brings 16 years of Texas mortgage experience to his role as senior loan originator. A University of Phoenix graduate in Business Management, he specializes in complex loan scenarios and has processed over $500M in residential mortgages since joining in 2008.
Adrienne Sanchez
Loan Originator
NMLS #1213046 Adrienne Sanchez combines nursing background with mortgage expertise to explain complex financial concepts accessibly. With 15 years in Texas mortgage lending, she focuses on first-time homebuyer programs and community outreach initiatives.
Questions
What mortgage loan options do you offer?
We offer conventional loans, VA loans, FHA loans, jumbo loans, USDA loans, adjustable-rate mortgages, fixed-rate mortgages, and specialized programs for teachers, first responders, and self-employed borrowers.
How quickly can I get pre-approved?
Our 100% online application process delivers pre-approvals in as little as 2 minutes, with full underwriting completed within 1 day using our in-house team.
Do you offer financing for first-time homebuyers?
Yes, we specialize in first-time homebuyer programs including 1% down payment options, zero down VA loans, and FHA loans with competitive rates.
Can self-employed individuals qualify for loans?
Yes, we offer specialized documentation processes for self-employed borrowers, including 1099 income verification and alternative proof of income options.
What areas do you serve?
We provide mortgage services across Texas and 10 additional states through our network of licensed loan officers.
Is refinancing worth it?
Refinancing can lower monthly payments, reduce loan terms, or provide cash for debt consolidation. Our team analyzes your specific situation to determine if refinancing offers financial benefits.
