Austin Mortgage Broker: Home Loans for Central Texas
Helping Austin and Central Texas families find, keep and afford their dream homes.
Welcome to CapFi Lending
CapFi Lending is an independent mortgage company, locally owned and run right here in Austin, Texas. We’re here to make buying a home simpler and more enjoyable by building real relationships, working as a team on every file, and giving advice you can count on. Honesty and integrity guide how we treat every client.
As an Austin mortgage lender and broker, we answer your questions and concerns with know-how, care, and candor. CapFi was built on a simple belief: getting a mortgage should be quick, clear, and easy, with great service and the lowest cost we can find. We work with some of the nation’s leading banks, lenders, and investors and put that network to work for you. Instead of being locked into one lender’s products, we shop broadly to find the right program for you. We’d love to help with your lending needs today and for years to come.
Loan programs we specialize in
The right home loan depends on your goals, your finances, and your story. We’ll help you sort through it.
- Fixed Rate Mortgages
- FHA Loans
- VA Loans
- VA Loan Refinancing
- Rehab Loans
- USDA Loans
- Jumbo Loans
- First Time Homebuyers
- Low Down Payment Loans
- Investment Properties
- Bank Statement Program
- Bridge Home Loan
- Construction Home Loan
- DSCR Home Loan
- Fix & Flip Home Loan
- HELOC Home Loan
- Reverse Mortgage
- Seller-Paid Buydown
- Refinance
- Cash-Out Refinance
Fill out the Quick 1-Minute Loan Request to start a discussion about your mortgage needs today!
Quick replies and easy access are what our clients count on. Our experienced team is with you from first question to closing day.
- Speak to a Local Mortgage Professional
- Free Consultation
- Call or Text Mon–Sat, 9 AM–7 PM
Everything we do is built on our clients’ trust.
What our customers say
I had a great experience working with Dustin and the entire CapFi team. From the start, Dustin was very responsive in answering all emails, text and phone calls (typically instantly or within minutes). Additionally, Dustin was very patient in answering all of my questions and explaining things in detail. … Ultimately, Dustin and team delivered everything as promised for an on-time close in a swift timeline. I would definitely do business with Dustin and team again!
I’m incredibly grateful to this outstanding team for helping my wife and me purchase our first home. From start to finish, the process was smooth, efficient, and well-organized. Communication was excellent throughout, and we always felt informed every step of the way. … Because of this amazing team, along with our fantastic realtor, we are now proud first-time homeowners.
Clay and the Capfi team were an absolute pleasure to work with from start to finish. Their professionalism, expertise, and collaborative approach made the entire process seamless and enjoyable. They consistently demonstrated a strong commitment to quality and clear communication, which really set them apart.
Dustin at CapFi Lending was excellent to work with. He was responsive, knowledgeable, and made the entire loan process smooth and stress-free. He kept us informed at every step and ensured we closed before expected closing date. Highly recommend!
Working with Clay was amazing, he was always available to answer our questions and offer helpful advice throughout our home buying process. Clay and CapFi as a whole made everything easy and stress-free. Highly recommend!
Strong work from Clay and Li, great communication and very efficient. Highly recommend!
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Frequently Asked Questions
What does a mortgage broker do?
A mortgage broker shops your loan across a network of wholesale lenders instead of offering one bank’s menu. We compare options, explain the trade-offs in plain English, and manage the process from pre-approval to closing.
Is CapFi Lending a local Austin company?
Yes. CapFi Lending is locally owned and based in Austin, serving buyers and homeowners across Travis, Williamson, Hays, and Bexar counties.
Which loan types can CapFi help with?
We arrange conventional, FHA, VA, and jumbo loans, DSCR and other investor financing, bank statement and self-employed programs, construction loans, and refinances.
I’m self-employed or my income is non-traditional. Can you still help?
Yes. We work with bank statement, 1099, and P&L programs built for business owners, contractors, and commission earners.
How do I get pre-approved?
Start by calling or texting (512) 593-1336 or requesting a quote. We’ll look at your income, assets, and credit, then provide a pre-approval letter to use with your offer.
What are your hours?
We answer calls and texts Monday through Saturday, 9 AM to 7 PM.