The Best Mortgage Lenders in Marble Falls, TX
Compare verified mortgage lenders serving Marble Falls, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Marble Falls
Featured Mortgage Lenders
Michael Tull
Guaranteed Rate
Guaranteed Rate is one of the nation's top retail mortgage lenders with a strong Austin-area presence that serves Marble Falls. Michael Tull's team maintains exceptional 4.9-star ratings across multiple platforms with nearly 300 reviews, specializing in both purchase and refinance transactions. Their digital mortgage platform provides competitive rates and streamlined processing, while maintaining personalized service for Central Texas homebuyers. With over two decades of experience and extensive knowledge of the Highland Lakes region, they offer comprehensive loan options including specialized programs for the area's unique property types.
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Mortgage Services
Amplify Credit Union
Amplify Credit Union has been serving Central Texas communities for over 50 years with a dedicated mortgage division that specifically serves the Marble Falls area. They maintain outstanding 4.8-star ratings for their personalized approach to mortgage lending and competitive member rates. Specializing in both primary residences and vacation properties common in the Highland Lakes region, their mortgage advisors provide exceptional guidance through construction loans, lot purchases, and traditional home financing. As a community-focused institution, they offer unique benefits for local buyers including relationship rate discounts and specialized knowledge of the Hill Country market.
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Brian Kelsey
Prosperity Home Mortgage
Prosperity Home Mortgage operates throughout Central Texas with experienced loan officers like Brian Kelsey who specialize in serving the Marble Falls and Highland Lakes communities. With consistent 4.7-star ratings and nearly two decades of local experience, they excel at navigating the unique aspects of Hill Country properties including waterfront homes and rural characteristics. Their strong relationships with local real estate professionals and deep understanding of the area's market dynamics make them a preferred choice for both primary residences and investment properties in the region.
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Frequently Asked Questions
Common questions about mortgage lending in Marble Falls, TX
Are there any special mortgage programs for first-time homebuyers in Marble Falls, TX?
Yes, the Texas Department of Housing and Community Affairs (TDHCA) offers the My First Texas Home program, which provides down payment assistance and competitive interest rates for eligible first-time buyers in Marble Falls. Additionally, some local lenders may offer portfolio loans or special programs tailored to the Highland Lakes area, so it's wise to consult with a mortgage broker familiar with Burnet County.
How do property taxes in Marble Falls impact my mortgage payment and qualification?
Burnet County property taxes are a significant component of your monthly payment in Marble Falls, typically ranging from 1.8% to 2.2% of the home's appraised value. Lenders will factor this high escrow requirement into your debt-to-income ratio, which can affect how much home you qualify for compared to other regions with lower tax rates.
What should I know about getting a mortgage for a home on Lake LBJ or Lake Marble Falls?
Financing a lakefront or lake-access property often involves stricter lender requirements, including higher down payments (sometimes 20-25%) and more rigorous appraisals that must account for dock conditions, shoreline, and flood zones. It's crucial to work with a lender experienced in waterfront properties in the Highland Lakes region to navigate these specific underwriting guidelines.
Are USDA rural development loans available for homes in Marble Falls, TX?
Yes, most of Marble Falls and the surrounding Burnet County area is eligible for USDA loans, which offer 100% financing with no down payment. This can be an excellent option for eligible buyers, particularly for properties just outside the city center, making homeownership more accessible in this growing rural community.
How does Marble Falls' growing market affect mortgage appraisals and closing timelines?
With strong demand and relatively low inventory, appraisals in Marble Falls can sometimes lag behind rapidly increasing sale prices, posing a challenge for loan approval. To mitigate this, buyers should be prepared with strong financials and consider appraisal contingencies. Working with a local lender who understands the market comparables in neighborhoods like Blue Lake, Backbone Ridge, or Highland Estates can streamline the process.
Nearby Cities
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Why Choose a Mortgage Lender in Marble Falls?
Local Market Knowledge
Lenders who understand Marble Falls's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Texas.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Marble Falls and get competitive rates on your home loan.