You're Under Contract. Before You Lock — Get a Second Opinion.
Your bank gave you one rate. I shop 20+ lenders. Takes 15 minutes to find out if you're leaving money on the table.
As an independent mortgage broker in Austin, I'm not tied to one bank's pricing. I compare wholesale rates across dozens of lenders to find the best combination of rate and fees for your specific loan. Most buyers I work with are surprised by what I find.
How the Second Opinion Works
Upload Your Loan Estimate
The PDF your current lender sent you. Takes 30 seconds.
I Review It Same Day
I compare your rate, fees, and closing costs against what I can offer through my lender network.
You Decide
No pressure. If I can beat it, I'll show you exactly how. If I can't, I'll tell you that too.
Upload Your Loan Estimate for a Free Review
By submitting, you consent to be contacted about your mortgage inquiry. NMLS #513013. Adam Styer | Mortgage Solutions LP.
Common Questions About Rate Shopping
Can I switch mortgage lenders after going under contract in Texas?
Yes — in Texas you can switch lenders after going under contract, as long as you have enough time before your closing date. Most purchase contracts allow 21–30 days for financing, which is typically enough time to complete a new application. The key is acting quickly and not waiting until the last week.
How long does it take to switch lenders after an accepted offer?
Switching lenders typically takes 2–3 weeks from application to closing. An experienced broker can often move faster than a bank because they have direct access to multiple underwriters. If your closing date is tight, call first — I'll tell you honestly whether it's feasible.
What is a Loan Estimate and why should I compare them?
A Loan Estimate is a standardized three-page document your lender is required to give you within three business days of application. It shows your interest rate, monthly payment, and all closing costs. Comparing Loan Estimates from multiple lenders is the only reliable way to know if you're getting a competitive deal.
What's the difference between a mortgage broker and a bank?
A bank can only offer its own loan products at its own rates. A mortgage broker like Adam Styer shops your loan across 20+ wholesale lenders to find the best rate and terms for your situation. Brokers typically have access to lower wholesale pricing than what banks offer retail customers.
How do I know if I'm getting a good mortgage rate in Austin?
The only way to know is to compare. Rates vary by lender, loan type, credit score, and down payment — a rate that looks competitive online may not reflect what you'd actually qualify for. Uploading your Loan Estimate takes 30 seconds and gives you a real answer based on your specific loan.
Serving All of Central Texas
Not in Austin proper? I work with buyers across the metro. Get a second opinion specific to your market.
Round Rock & Pflugerville
I-35 corridor, new construction, tech relocations
Cedar Park & Leander
183A corridor, family relocation, LISD schools
Georgetown & Hutto
Small-town living, Sun City, USDA-eligible areas
Buda, Kyle & San Marcos
South corridor, affordability, first-time buyers
New Braunfels
Comal County growth, Vintage Oaks, river communities
Rate Shopping Resources
How to Compare Two Mortgage Offers Side by Side
The exact numbers to look at when you have two Loan Estimates.
Can I Switch Lenders After Going Under Contract?
Yes — here's how the timeline works in Texas.
How to Read a Loan Estimate
The 5 numbers that actually determine what your mortgage costs.
Is the Lowest Rate the Cheapest Loan?
Not always. Here's the math that proves it.
NMLS #513013 · Licensed in Texas · Independent Mortgage Broker · 1,000+ Loans Closed · Austin, TX