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Central Texas Bank Lending

Many times as a Realtor you run into a lending situation that doesn't fit the Conventional, FHA, VA or USDA box. We've called each of our local banks and credit unions to find out what type of lending they do so you know where to find lot loans, pools loans, construction loans and more. 


Disclaimer: If a bank or credit union below offers a program, it may not be available to your client and is subject to credit and the property qualifying for any financing. In no way does it constitute an offer to provide credit. Programs subject to change at any time.

Commercial - Raw Land development, Rehab on Existing Investor Properties, purchase income producing properties, Investor acquisition of raw or devolped land, Office,

Warehouse and industrial


Residential Owner Occupied - Purchase, Rehab, Expansion, Builder Spec, Raw Land Development, Builder construction lines of Credit

Residential - Fixed Rate, Adjustable and Jumbo loans, home equity lines of credit.

Other Loans - Home Owner Express loan or line of credit. NOT a home equity loan, and up to 50k


Commercial Loans -Acquisition, refinance, owner- occupied, and investment properties. Multi-Family, Retail, Office Condo


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Residential- Conventional, FHA/VA, First Time Homebuyer, Teacher Loans, Land loans, Lot loans


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Mortgage loans done through CU Members Mortgage. Normal Conventional FHA/VA loans and HE Loans and lines of credit

Residential - Conventional, FHA/VA, First Time Homebuyer, etc. Traditional and one time close construction loans, renovation loans, FHLMC HomeStep, FNMA Homepath.


Contact: Shirley Braune


Commercial and Residential loans with an emphasis on commerical. Traditional residential lending (Conventionsl, FHA/VA etc.) and new home constrution, one time close and renovation loans. Special Programs: 

Professionals Loan - 95% LTV to 1 million, NO MI

Civil Servant/Low to Moderate income - 97-100% LTV, NO MI.


Chris Margiotta (512) 799-5550


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Residential - Traditional mortgage loans via SWBC Mortgage. Offer one time and two time construction loans, HE Loans and HELOC's, Home Improvement, Lot Loans and Interim construction loans with terms up to 18 months at 85% ltv.

Commerical loans- Mixed Use, Medical Bulding, Office Building, Multi-Family, Retail Centers, Residential & Industrial.


UFCU offers traditional mortgage lending, lot loans, home equity and HELOCS


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CFC specializes in loans for the purchase or refinance of ranches and farms. They also provide loans for the purhase of recreational leases for hunting, weekend escape and retirement property. Additionally they can provide financing for High Fencing, Earthen Tanks, Land Clearing, Barns and Storage facilites.


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Independent Bank provides interim construction financing and permanant financing, home improvement and home equity loans, ranch, and lot loans.

Located in Killen, Navy FCU provides agressive rates for past and present military members. 100% Jumbo and Conventional Financing with NO MI.


Call for pre-qualifications and loan application over the phone or website 7 days a week 7am till midnight.



Traditional home loan lending and portfolio home mortgage lending for make sense deals that don't fit the box.  Lot loans up to 85% ltv and large homesite loans on short and long amortizations. Interim construction loans for residential and commercial properties. Creative Commecial loans. Call Shane Barbee 512-847-8200 for rates and terms .

Prime Lending is owned by Plains Capital Bank. They have all the traditional lending products (Conv FHA/VA, USDA, etc.) but also have a tremendous condominium and renovation lending department. Call your local Prime Lending branch for details.

Offers home loans, new home construction, land loans, lot loans, pool loans, home loans that make sense but don't fit traditional guidelines.




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RBFCU offers traditional home loans, 2nd liens to 90%ltv, 80% ltv investor loans, HELOC's, home improvement, land and lot loans.


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Offers Traditional Home Mortgages, interim construction with 11% down, home improvement, Jumbo and Jumbo 2nd liens to 300k. SW Bank also offers Portfolio mortgage loans for conforming and Jumbo loans and loans for homes with 100% rain water collection systems.  Call Irene Green 512-422-1782

Also offers Foreign National/TIN Number loans

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UHFCU offers traditional mortgage lending including Home Equity, HELOC's, Home Improvement and Texas Cashout (1st lien position)



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Velocity FCU offers traditional mortgage financing throug its affiliation with SWBC Mortgage. The also offer Home Equity & Improvement loans, secured and unsecured personal loans and Austin Energy Star Loans.


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