Preferred Lenders 

Benchmark Mortgage
Sheri McKim  is an excellent all purpose lender but she is one of the few lenders who is willing to work with credit challenged clients. Most loan officers don't know how to help a client with serious credit issues and most major banks are not allowed to give advice on credit.

Gateway Mortgage Group
Michael Ikeya is an excellent all purpose lender but his specialty is the combination Purchase/Renovation loan (FHA 203k Loan) for buyers who will be owner occupants. These loans are tricky and Michael is one of the few lenders who does them successfully on a regular basis.

Nations Reliable Lending (NRL)
Cody Velkovich offers a wide variety of loan programs including these difficult to find niche products:

• Low FICO (560+) FHA & VA Loans
• Manufactured and Modular Home Loans
• Multiple Down Payment Assistance Programs

Security National Mortgage
Josh Kohl for Jumbo Mortgages, Austin Condo Loans and USDA 100% Loans.

• Security National Mortgage is a Direct Fannie Mae Endorsed Bank.
• Have a Paperless loan process with E-Sign technology.
• Have In-House underwriting and processing, which allows them to have control of their loan process from mortgage pre-approval all the way to closing.

Specialty Lenders

Little City Investments
Little City Investments provides quick, straightforward hard money loans for residential and commercial real estate deals in Austin, TX. Their hard money loans are a great alternative to traditional bank financing because the loans are primarily based on property value instead of personal credit or borrower background. The loan terms are simple, no appraisal is required and the approval process is fast. Little City Investments has experience lending to real estate investors and house flippers and can close quickly.

Riverdale Funding, LLC
Riverdale Funding, LLC is a private hard money lender that specializes in providing a variety of nontraditional commercial loans for real estate investors, builders, and developers throughout the United States. They are an equity-driven hard money lender that bases their decisions strictly on the value of the real estate.

Riverdale Funding lends funds from their own portfolio; they do not broker loans. As a privately funded hard money lender, they have the freedom and flexibility to tailor loans for an investor's unique financial needs and to deliver quick decisions.

Resolve Funding
Resolve Funding is a team of professionals experienced in Real Estate Investing, Construction, and Banking. These resources are pooled to provide you with comprehensive support. Your personal Loan Advisor will build a thorough understanding of your project needs and be available to assist you through every step of the lending process.

Their goal is to enter a long-term relationship with every one of their Borrowers. For this reason, their rates, fees, and the entire loan process are publicly available on their website.

Financial Resources for Investors
If you are looking for a "hard money lender" or want to buy or sell mortgage notes or need specialized financial spreed sheets, explore this site.

Capital Farm Credit
Capital Farm Credit is a customer-owned cooperative, providing financing to rural landowners, country homeowners, agricultural operators and agribusiness firms throughout Texas.  It is the state’s largest cooperative rural lender.

USDA Rural Development Direct Loan Program
This is a 100% financing (NO DOWNPAYMENT), no Mortgage Insurance, government subsized loan program! Under the Direct Loan program, individuals or families receive direct financial assistance from the Housing and Community Facilities Programs in the form of a home loan at an affordable interest rate. The payment is subsidized based on the buyer's adjusted gross income and number of household members. Payments can be reduced to a level that would be equal to a Principal and Interest payment as low as 1% interest rate, plus property taxes and home owners insurance. These loans have no Mortgage Insurance. The subsidy amount is recalculated each year but the payment can never go higher than the full market rate at the time the home was purchased.

Due to high demand, these loans take longer to process. Unfortunately, funding isn't always available for these loans, so sometimes buyers have to wait until funding is available. Once funding does become available, you have to move quickly to find a home that is located in an eligible area for this program.