Free Tools & Guides
Free Mortgage Resources & Tools
Tools and guides to help you make smarter mortgage decisions. No fluff. No sales pitch. Just what actually works.
Find an answer for your situation
Start with the question on your mind. Each guide explains what matters and where a personal review can help.
Self-employed income
Rental properties
Assets and investments
Refinancing and equity
Choosing a loan
All Resources
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.
Get the Free GuideMortgage 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.
GuideMortgage Options for Business Owners
Why your taxable income can look smaller than what the business actually earns, and the programs that read the fuller picture — bank statements, P&L, asset depletion.
GuideBuy Before You Sell
How to buy your next Austin-area home before the current one sells — the approaches to compare, and the tradeoffs to weigh before you write the offer.
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