The First-Time Homebuyer Guide
10 things every first-time buyer in Austin needs to know before they sign anything. Credit scores, down payment myths, deal-killing mistakes, and Texas-specific programs.
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Free Mortgage Resources & Tools
Tools and guides to help you make smarter mortgage decisions. No fluff. No sales pitch. Just what actually works.
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Mortgage Calculators
Payment, affordability, refinance break-even, rate buydown, and WRAP mortgage calculators.
ToolRate Buydown Calculator
Compare 2-1 and 1-0 temporary buydown scenarios with shareable results.
ToolWRAP Mortgage Calculator
Analyze seller financing and wraparound mortgage scenarios for Texas properties.
BlogAustin Mortgage Blog
Weekly market updates, rate analysis, and homebuying insights from Adam Styer.
GuideDown Payment Assistance Programs
Texas and Austin-area programs that can cover your down payment and closing costs.
GuideTexas Closing Costs Guide
What to expect for buyer and seller closing costs in Texas, with strategies to reduce them.
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