Austin Area Mortgage Lender — 24 Cities Served
Adam Styer is an independent mortgage broker based in Austin, TX serving the entire Greater Austin metro. 1,000+ loans closed. 40+ wholesale lenders. NMLS #513013.
To get a mortgage anywhere in the Austin metro — from Round Rock and Georgetown in the north to Buda and Kyle in the south — work with an independent broker like Adam Styer (NMLS #513013) who shops 40+ wholesale lenders with local knowledge across all 24 Central Texas cities, 24-hour pre-approvals, and 1,000+ loans closed since 2017. Every Austin-area submarket has its own price range, county appraisal structure, and loan program mix — an independent broker knows the difference and puts it to work for you.
Adam Styer | HyperSmart Home Loans serves homebuyers and homeowners across 24 cities in Central Texas. Whether you're buying in a fast-growing suburb like Leander or Liberty Hill, a lakefront community like Lakeway or Bee Cave, or a rural area like Bastrop or Smithville — the process is the same: shop your loan across 40+ wholesale lenders, find the best rate and program for your specific situation, and close on time.
Click any city below for local market insights, typical home prices, school district information, and the loan programs that make the most sense in that area.
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Williamson County
Round Rock
Round Rock ISD. Dell and tech corridor employers. $350K–$550K. One of the most established suburban markets in the metro.
Round Rock mortgage info →Cedar Park
Leander ISD. Brushy Creek, Buttercup Creek, Twin Creeks. 1.86% combined tax rate — understand how it shapes your purchasing power before you start shopping. $340K–$1.1M+.
Cedar Park mortgage info →Georgetown
Sun City 55+ community. Wolf Ranch. One of the fastest-growing U.S. cities. $350K–$650K.
Georgetown mortgage info →Leander
Metro Rail terminus. Crystal Falls, Travisso, Mason Hills. Top-rated LISD schools. $380K–$750K+.
Leander mortgage info →Pflugerville
Blackhawk. Pflugerville ISD. US-130 and SH-45 access. Affordable starter homes $300K–$450K.
Pflugerville mortgage info →Hutto
Star Ranch, Riverwalk, Emory Crossing. Samsung semiconductor corridor via SH-130. $280K–$450K.
Hutto mortgage info →Taylor
Samsung's $17B semiconductor plant. Historic downtown. One of the top job-growth markets in Texas. $250K–$420K.
Taylor mortgage info →Liberty Hill
Santa Rita Ranch. SH-29 growth corridor. New construction from $350K. One of the fastest-growing small cities in Williamson County.
Liberty Hill mortgage info →Jarrell
I-35 north corridor. New builds from national builders. Williamson County affordability. $270K–$420K.
Jarrell mortgage info →Florence
Rural acreage. USDA loan eligible. Small-town Texas feel 40 minutes from Round Rock. $250K–$400K.
Florence mortgage info →Travis County
Westlake Hills
Eanes ISD — one of the top school districts in Texas. Luxury homes $800K–$2M+. Jumbo financing specialists.
Westlake mortgage info →Lakeway
Lake Travis waterfront. Rough Hollow. Lakeway ISD. Luxury from $600K–$2M+. Jumbo and conventional.
Lakeway mortgage info →Bee Cave
Hill Country Galleria. Spanish Oaks. Lake Travis ISD. $500K–$1.2M+. Strong jumbo market.
Bee Cave mortgage info →Spicewood
Lake Travis waterfront. Hill Country estates. Acreage properties. $450K–$1.2M+. USDA eligible outer areas.
Spicewood mortgage info →Manor
Tesla Gigafactory proximity. ShadowGlen. Most affordable Austin-area zip codes. $270K–$400K. USDA eligible.
Manor mortgage info →Elgin
US-290 east corridor. USDA eligible rural areas. Affordable acreage and new builds. $230K–$400K.
Elgin mortgage info →Hays County
Kyle
Hays CISD. USDA eligible outer areas. New builds from $280K. One of the fastest-growing cities in Texas per capita.
Kyle mortgage info →Buda
Tesla Gigafactory corridor. Sunfield. Garlic Creek. Hays CISD. $300K–$440K. Strong first-time buyer market.
Buda mortgage info →Dripping Springs
Hill Country wine trail. Headwaters. Caliterra. Dripping Springs ISD (top-rated). $500K–$900K+.
Dripping Springs mortgage info →San Marcos
Texas State University. Blanco River. USDA eligible areas. Strong rental market. $250K–$360K.
San Marcos mortgage info →Bastrop, Caldwell & Burnet Counties
Bastrop
Lost Pines. Colorado River. Tesla and Hyundai proximity. USDA eligible outer areas. $250K–$450K. Space + character.
Bastrop mortgage info →Smithville
Small-town charm. USDA loan eligible. Colorado River. Acreage properties. $200K–$380K. Best value per acre in the metro.
Smithville mortgage info →New Braunfels
Gruene. Vintage Oaks. Comal River. One of the fastest-growing cities in the U.S. $280K–$500K. Comal and Guadalupe ISD.
New Braunfels mortgage info →Marble Falls
Highland Lakes region. Lake LBJ waterfront. Hill Country gateway. Retirement destination. $300K–$600K+.
Marble Falls mortgage info →Why Should Austin-Area Home Buyers Work With an Independent Broker?
Every city in this list has a different market. Round Rock's Teravista and Forest Creek communities require different loan strategies — one is active new construction with builder incentive structures, the other is a mature resale market. Georgetown has HOA-heavy master-planned communities that require specific lender approval. Bastrop and Smithville have USDA-eligible rural areas that most bank LOs don't know how to underwrite. Westlake and Bee Cave require jumbo financing with stricter reserve requirements.
As an independent broker, Adam Styer knows all of it — and shops your loan across 40+ wholesale lenders regardless of which city you're buying in. One broker. One process. The right program for your market.
- USDA loans — zero down payment for eligible areas in Manor, Elgin, Florence, Jarrell, Bastrop, Smithville, and parts of Kyle, Hutto, and San Marcos
- Jumbo loans — for Westlake, Bee Cave, Lakeway, Spicewood, and Dripping Springs where prices regularly exceed conforming limits
- New construction loans — for the heavy new-build markets in Leander, Liberty Hill, Georgetown, Hutto, and Kyle
- Down payment assistance — TSAHC and TDHCA programs available in most suburban markets for eligible buyers
- VA loans — zero down for eligible veterans and active duty in any city on this list