Adam Styer, Austin TX Mortgage Broker, NMLS #513013

Mortgage Lender in Pflugerville, TX

Independent broker. 40+ lenders. Fast pre-approval for Pflugerville homebuyers — one of the Austin metro's best values for families.

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5.0 ★ (136+ Reviews) | 21-Day Avg. Close | Licensed in Texas | NMLS #513013

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NMLS#: 2526130 (Company) · 513013 (Adam Styer)

To get a mortgage in Pflugerville TX, work with an independent broker like Adam Styer (NMLS #513013) who shops 40+ wholesale lenders — including Travis County DPA programs and conventional financing well-suited to Pflugerville's $320K–$450K price range — with pre-approval in 24 hours and a 21-day average close. Pflugerville's value relative to central Austin — plus Lake Pflugerville, Pflugerville ISD, and SH-45/US-183 corridor access — makes it one of the most underrated suburbs in the metro for buyers who want real community character without Round Rock prices.

Why Work With a Local Pflugerville TX Mortgage Broker?

Pflugerville doesn't get as much attention as Round Rock or Cedar Park, but it should. It's one of the most affordable Travis County suburbs with real character — its own ISD, Lake Pflugerville for recreation, the Stone Hill Town Center shopping corridor, and neighborhoods like Blackhawk and Windermere that consistently score high on livability surveys.

I'm Adam Styer — independent mortgage broker, NMLS #513013, 1,000+ Texas loans closed. I cover the entire Austin metro, including Pflugerville, and I shop your mortgage across 40+ wholesale lenders to find the best rate and program for your situation.

Pflugerville is primarily in Travis County, which matters for your appraisal district, property tax structure, and deed recording. It's also home to a diverse buyer pool — tech workers commuting on SH-45 and US-183, logistics and warehouse employees, and longtime Austin-area residents who discovered that Pflugerville offered more house for less money without sacrificing community.

Pflugerville at a glance: Primarily Travis County (portions in Williamson County); Pflugerville ISD — Hendrickson HS 8/10 GreatSchools + Pflugerville HS 6/10 GreatSchools. Tax stack: PISD $1.1069/$100 + City of Pflugerville $0.5350/$100 (FY 2025-26) + Travis County + Travis County ESD 2 $0.092765/$100 = ~$2.04 nominal / ~1.82% effective per Ownwell ($6,445 median annual bill on $354,900). Major employers: Amazon 3.8M-sqft fulfillment center on E. Pecan St / 1,000 jobs (PCDC), Stone Hill Town Center (Target/Kohl's/Best Buy), Costco, Baylor Scott & White, Samsung Taylor (~30 min east via SH-130). Key neighborhoods: Blackhawk (78660), Falcon Pointe (78660), Windermere (78660), Heatherwilde (78660). Median sale price: $355,000 (March 2026, Redfin, -10.2% YoY).

Neighborhood Spotlight: Blackhawk (78660)

Blackhawk is Pflugerville's largest master-planned community — 1,900+ acres anchored by the Blackhawk Golf Club on Kelly Lane. Active builders include GFO Home (The Grove at Blackhawk), Chesmar Homes, Coventry Homes, and Scott Felder Homes. New construction starts around $465,990; resale Blackhawk homes averaged $529,830 over the past 12 months, per Homes.com. The community has multiple pools, a fitness center, and walking trails. If you're buying new construction in Blackhawk, bring your own lender — builder financing rarely beats what I source from 40+ wholesale lenders.

Neighborhood Spotlight: Falcon Pointe (78660)

Falcon Pointe is a 1,400-acre Newland Communities master-planned community built out 2002–2017 along Falcon Pointe Boulevard, off Kelly Lane. Builders included Lennar, Chesmar Homes, Taylor Morrison, Meritage, Newmark, and Highland Homes — homes range 1,600–4,000+ sqft, with a $500,000 median list price as of April 2026 per Regent Property Group. Most resales sit in the low $400s to mid $600s depending on size, upgrades, and proximity to greenbelt. Amenities include multiple pools, a fitness center, tennis courts, and an extensive trail system. Falcon Pointe feeds Hendrickson HS (8/10 GreatSchools) — the school-zone advantage shows up in resale velocity.

Established 78660 Value Tier: Windermere & Heatherwilde

For buyers under $400K, Pflugerville's established neighborhoods deliver the best price-per-sqft in the city. Windermere homes (built late 1980s through early 2000s by Centex, Buffington, and Hampton Homes) range 1,200–2,800 sqft with a ~$325,862 median per HomeCity; recent listings span $279,900–$389,900. Heatherwilde dates to 1986 — same builder lineup (Centex/Buffington/Hampton), 1,200–3,200 sqft, ~$372,056 average per Austin Real Estate Homes Blog, recent listings $279,900–$419,999. Both feed Pflugerville HS (6/10 GreatSchools). FHA-strong territory: 3.5% down on a $325K Windermere home is $11,375 down + roughly $8,000–$10,000 closing — the cleanest path to ownership in Pflugerville for first-time buyers without large savings.

Pflugerville ISD: School Ratings

PISD operates independently of Austin ISD — its own board, its own campuses. Two high schools serve the city: Hendrickson High School (19201 Colorado Sand Dr, 78660) holds an 8/10 on GreatSchools — 2,106 students, 98% graduation rate, 1170 SAT average, 16:1 student-teacher ratio per U.S. News. Pflugerville High School (1301 W. Pecan St, 78660) holds a 6/10 on GreatSchools — 1,851 students, 95% graduation rate, 14:1 ratio. School zone determines your campus, and resale value in PISD does correlate with attendance zone — Hendrickson-zoned areas like Blackhawk and Falcon Pointe consistently move faster than Pflugerville HS-zoned listings at comparable price points. Confirm zoning before you make an offer.

Major Employers in Pflugerville

Pflugerville's employer mix runs from logistics to advanced manufacturing to retail. Amazon's 3.8-million-sqft fulfillment center on E. Pecan Street (codenamed Project Charm during entitlement) opened with 1,000 full-time jobs and a $250M capital commitment under a PCDC agreement — 820,000 sqft of warehouse plus mezzanine-level robotics, per the Pflugerville Community Development Corporation and KVUE. Stone Hill Town Center (SWC of SH-130 & SH-45) is the city's largest retail employer cluster — anchored by Target, Kohl's, and Best Buy, with Daiso (8,500 sqft) and Miniso both opening in 2025 per Community Impact. Costco runs warehouse operations with 185 active job postings as of April 2026 per ZipRecruiter. Baylor Scott & White operates clinical sites in the area. Samsung's $17B Taylor chip fab sits ~30 minutes east via SH-130, drawing semiconductor workers who price-shop into Pflugerville for the discount versus Hutto/Taylor proper. PISD itself is the largest public-sector employer.

Property Tax & Closing Costs in Pflugerville

A Pflugerville Travis County address carries a combined nominal property tax rate of approximately $2.04 per $100 assessed value:

Effective rate ~1.82% after homestead and exemptions per Ownwell — that's a $6,445 median annual tax bill on a $354,900 home.

On a $355,000 Pflugerville median home with 5% down ($337,250 loan), expect closing costs roughly $8,000–$10,500:

  • Lender's title insurance: ~$1,600 (Texas DOI-promulgated rate on $355K)
  • Escrow/settlement fee: ~$600
  • Travis County recording: ~$150 ($25 first page + $4/additional, per Travis County)
  • Survey + appraisal + credit + flood cert: ~$900
  • Year-1 homeowner's insurance + escrow setup: $3,000–$3,500
  • 3–4 months tax escrow at the 1.82% effective rate: ~$1,950–$2,150

Closing mid-year? The seller credits you roughly $3,225 for 6 months of accrued taxes they owe at the effective rate. Seller concessions toward closing are negotiable in the current Pflugerville market — inventory has climbed to 5 months of supply per Redfin, up from 1.6 months a year ago. That's leverage. Ask me what's realistic at your price point before you make an offer.

Use our mortgage calculator to estimate your monthly payment at current rates for any Pflugerville price point.

Why Should Pflugerville TX Buyers Use an Independent Mortgage Broker?

Rate Shopping Across 40+ Lenders

Your bank sees one rate. I see 40+ wholesale lender rates, then present the best option for your credit profile, down payment, and loan amount. On a $380,000 Pflugerville purchase, the difference between a 0.25% better rate is real money over the life of your loan.

First-Time Buyer Experience

Pflugerville attracts a lot of first-time buyers because of its relative affordability. I walk you through the entire process — what documents you need, how credit scoring works for mortgages, what closing costs to expect, and how to avoid the most common first-time buyer mistakes.

Down Payment Assistance Navigation

TSAHC Home Sweet Texas and Homes for Texas Heroes, plus TDHCA My First Texas Home — these programs can provide 3–5% toward your down payment. I'll run the numbers and show you whether DPA makes financial sense for your situation or whether a conventional approach is better.

PISD School-Zone Strategy

Two PISD high schools, two different ratings — Hendrickson 8/10 versus Pflugerville HS 6/10 GreatSchools. The same purchase price gets you very different attendance zones depending on which side of Wells Branch Pkwy or Pecan St you land. I'll flag the school-zone implications of your top neighborhoods before you write an offer, because it shows up in resale velocity later.

What Loan Programs Are Available for Pflugerville TX Homebuyers?

Conventional Loans

3–20% down, 620+ credit score, no upfront mortgage insurance. Best for buyers with solid credit who want to keep monthly costs competitive. Pflugerville's median price range works well within conventional loan limits.

FHA Loans

3.5% down with credit scores as low as 580. More flexible DTI ratios. Pflugerville's price range fits comfortably within FHA loan limits. Popular with first-time buyers who prioritize low down payment over monthly payment optimization.

VA Loans

Zero down on Pflugerville's $355K median puts a $0-down purchase well inside the 2026 Texas conforming line. Camp Mabry sits ~25 min south via MoPac/183, and Pflugerville is a common landing pad for VA-eligible families relocating into Hendrickson HS feeders (8/10 GreatSchools) on Falcon Pointe and Blackhawk inventory. No monthly PMI, lender-paid funding fee structures available, and disabled-veteran property tax exemptions stack with the homestead — that's real cash flow on a 1.82%-effective tax address.

Investment Property Loans

Pflugerville's strong rental demand from the growing workforce makes it an interesting market for investment property. I work with lenders offering competitive investment property financing — traditional 20–25% down options as well as DSCR loans that qualify on rental income rather than personal income.

What Should Pflugerville TX Homebuyers Know Before Buying?

Pflugerville sits northeast of Austin, bordered by US-130 on the east and US-183 to the west, with SH-45 providing a fast toll corridor connection to Round Rock and Cedar Park. That location gives residents convenient access to both downtown Austin and the expanding northeast Austin tech/logistics corridor.

Price range: Pflugerville's median sale price was $355,000 in March 2026, per Redfin — meaningfully below Cedar Park ($492,000) and Round Rock ($388,000). More house for the same payment. Use our mortgage calculator to estimate your monthly payment at current rates for any Pflugerville home.

Neighborhoods: Blackhawk is one of Pflugerville's larger master-planned communities with trails, amenities, and new construction phases still active. Windermere and Windermere Oaks offer established homes with mature trees — more character, slightly older stock. Heatherwilde, Falcon Pointe, and Colorado Crossing each have their own feel. I've financed homes across all of them.

School district: Pflugerville ISD operates independently of Austin ISD — a key distinction for families. PISD has its own campuses, athletic programs, and school board. It's worth researching specific campus ratings when evaluating neighborhoods, as performance varies by campus within the district.

Employment proximity: Amazon has a major fulfillment center in Pflugerville. Samsung's Taylor semiconductor campus is accessible via US-130. The tech employers along US-183 and in northeast Austin are all within reasonable commuting distance. This employment diversity creates a stable, growing buyer pool that supports Pflugerville home values.

Lake Pflugerville: The city's 180-acre reservoir with a 2.1-mile walking trail is a genuine quality-of-life asset. Properties near the lake carry a modest premium compared to comparable homes elsewhere in Pflugerville.

How to Get a Mortgage in Pflugerville TX

Step 1 — Apply & Get Pre-Approved

Start your application online in about 15 minutes. Upload your pay stubs, W-2s, and bank statements. I review your full file and typically deliver a lender-reviewed pre-approval within 24 hours — not just a soft pre-qual.

Step 2 — Find Your Home & Get Under Contract

Your pre-approval letter goes with your offer. Once you're under contract, I immediately shop your file across 40+ lenders, present your best options, and lock your rate.

Step 3 — Underwriting & Appraisal

I submit your complete file and manage the underwriting process. I coordinate with the appraiser, title company, and your agent. You get regular updates — not radio silence.

Step 4 — Close

Clear to Close. Final Closing Disclosure. Sign at the title company, funds wire, you get the keys. Average timeline is 21–30 days from application for a fully documented file.

Pflugerville TX Mortgage FAQ

Pflugerville's median sale price was $355,000 in March 2026 — down 10.2% year-over-year — per Redfin. Resale homes in established 78660 neighborhoods like Windermere (~$326K median, 1,200–2,800 sqft) and Heatherwilde (~$372K average, 1,200–3,200 sqft) run $280K–$420K. Falcon Pointe — Newland Communities' 1,400-acre MPC built 2002–2017 by Lennar/Chesmar/Taylor Morrison/Meritage/Newmark/Highland — has a $500K April 2026 median list, with most resales low $400s to mid-$600s. New construction in Blackhawk (78660) starts around $465,990 with GFO Home and Chesmar Homes; resale Blackhawk averages ~$530K. Pflugerville consistently offers more square footage per dollar than Cedar Park or Round Rock.

Pflugerville is primarily in Travis County, though portions extend into Williamson County. Most Pflugerville addresses fall under the Travis Central Appraisal District (TCAD). Pflugerville ISD is the primary school district, operating independently from Austin ISD. County placement matters for property tax rates, appraisal processes, and some lender-specific requirements — I'll confirm your specific address's county during the pre-approval process.

Yes — FHA loans work very well for Pflugerville's price range and buyer demographics. With a minimum 3.5% down payment and credit scores as low as 580, FHA is popular with first-time buyers and those rebuilding credit. The FHA loan limit for Travis County covers most Pflugerville purchases. TSAHC or TDHCA down payment assistance can also be layered on top to reduce upfront cash requirements further.

Pflugerville is well-positioned for tech and logistics workers. Amazon has a major fulfillment center in the city. Samsung's semiconductor campus in Taylor is accessible via US-130. Employers along US-183 and in northeast Austin tech parks are all within commuting distance. This diverse employment base creates a stable housing market with buyers across a wide range of income types and financial profiles.

A Pflugerville Travis County address carries a combined nominal property tax rate of approximately $2.04 per $100 assessed value: PISD $1.1069/$100, City of Pflugerville $0.5350/$100 (FY 2025-26, down from $0.5428), Travis County ~$0.304/$100, and Travis County ESD 2 (Pflugerville Fire) $0.092765/$100. Effective rate after homestead and exemptions is roughly 1.82% per Ownwell — about $6,445/year on the Pflugerville median $354,900 home. That's higher than Travis County's 1.48% county-wide average and a real factor in your monthly PITI.

★★★★★

"We bought our first home in Pflugerville and Adam walked us through every step. Got us into a loan we actually understood and could afford."

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