Mortgage strategy for Austin, TX
Tech compensation, strong appreciation, and relocations from Zilker to Mueller — financing built for how Austin is actually paid.
Austin's tech boom reshaped its housing market, pushing prices up fast and bringing in buyers whose pay leans heavily on RSUs, bonuses, and equity. Sam works with lenders who credit that compensation properly, so your full earning power — not just base salary — supports the loan.
Rapid appreciation also means more Austin purchases now brush against or exceed the conforming limit, making the conforming-versus-jumbo call a real part of planning. Getting it right up front keeps a competitive offer clean.
Programs matched to Austin buyers
Jumbo and high-balance conforming; programs that credit RSU, bonus, and equity income; relocation-friendly structures; conventional and refinance strategy; plus investor options — across 50+ wholesale lenders.
2026 conforming loan limit in Travis County
Travis County uses the national baseline conforming limit of $832,750. Austin's fast appreciation means a growing share of purchases exceed that into jumbo territory, so Sam plans the conforming-versus-jumbo call up front.
Neighborhoods across Austin we work in
From Zilker and Mueller to Circle C and East Austin, Sam works with tech professionals, relocating buyers, and owners across Austin.
Questions Austin buyers ask
What is the 2026 conforming loan limit in Travis County?
Travis County (Austin) uses the national baseline, so the 2026 one-unit conforming loan limit is $832,750. With Austin's appreciation, more purchases now exceed $832,750 and use jumbo financing, which Sam structures regularly.
Can tech and equity income be used to qualify in Austin?
Yes. Austin offers increasingly resemble Silicon Valley ones. Sam works with lenders who credit vested RSUs, bonuses, and equity compensation, so tech buyers qualify on their real income — and pairs that with jumbo when the price calls for it.
Start my Austin financing plan Run the numbers first
Explore loan programs and calculators, or see other areas we serve: Dallas, Houston, San Antonio.
Sam Razavi · NMLS #985351 · originating through C2 Financial Corporation, NMLS #135622. Not a commitment to lend. Equal Housing Opportunity.