Zero Fluff. Just the Absolute Lowest Rates.
Backed by GMCC — a Level 7 direct lender with $200K–$20M loan range. We cut out the middlemen to pass wholesale rates directly to you.
No Middlemen
As a direct seller to Fannie Mae and Freddie Mac, we pass wholesale rates straight to you — no bank markup.
Level 7 Technology
AI-powered underwriting and a digital application get you pre-approved in minutes, not days.
Faster Closings
In-house local underwriting and funding means faster approvals and fewer conditions than retail banks.
Our Loan Programs
Purchase & Refinance
Competitive rates on conventional, FHA, and VA loans. Loan range $200K–$20M.
Jumbo Loans
Up to $10M with as little as 10%. down. Perfect for Westlake, Barton Creek, and luxury Austin buyers.
DSCR Investor Loans
Qualify on rental income, not personal income. Ideal for Austin investors expanding their portfolio.
Foreign National Loans
Specialized programs for non-US citizens purchasing Austin real estate. Bilingual support available.
Calculate Your Payment
Get an accurate estimate of your monthly payment, how much home you can afford, or how much you could save by refinancing. Adjust the inputs to match your situation.
- Includes taxes, insurance & PMI
- See how much home you can afford
- Compare refinance savings instantly
Mortgage Tools
All Ways Home
Payment
Affordability
Refinance
Mortgage Payment LIVE
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Additional Monthly Costs
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How Much Can I Afford LIVE
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Refinance Savings LIVE
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Monthly Savings
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New Payment—
Break-Even—
5-Yr Net Savings—
*Estimates only. P&I only for interest totals — taxes, insurance, and PMI vary. PMI applies when down payment is below 20%. Contact us for
a personalized quote.
Unlock Your Best Rate?
Talk directly with a licensed mortgage officer — no obligation, no pressure.
Ji Lu | NMLS# 1821232 | Lending services provided through GMCC (NMLS# 254895) | Equal Housing Lender
All Ways Home | Texas Real Estate License# 652054
*Rates are subject to market fluctuations, borrower credit score, debt-to-income ratio, and loan program guidelines. This is not a commitment to lend. All loans subject to credit approval.