Austin Home Mortgage Expert

Helping you and your family achieve the dream of homeownership.

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Tom Horne Jr.

Tom Horne Jr.

Sr. Loan Officer

(512) 276-4273
NMLS #936828

Latest Videos

Which Home Loan is Right for You?

3 of the most popular Austin home loans we provide here at Mid America Mortgage Austin are listed below. We've highlighted just a few of the key differentiators between these mortgage types that will help you understand which one may be best suited for your needs. If you'd like to learn more about all the Austin home mortgage products we offer, please click below.

Conventional Home Loans Austin

Typically a fixed rate home loan that allows the borrower to eliminate mortgage insurance once they hold >20% equity in their property.

  • Lower Rates
  • Flexible Terms
  • Fixed or Adjustable
Learn More

FHA Home Loans Austin

This home loan program allows down payments as low as 3.5% of the purchase price, although you are required to pay mortgage insurance.

  • Lower Credit Requirements
  • Smaller Down Payment
  • Competitive Rates
Learn More

VA Home Loans Austin

Reserved for those who serve our country. VA home loans offer 100% financing, low interest rates & don't require mortgage insurance.

  • 0% Down Payment
  • No Mortage Insurance
  • No Prepayment Penalties
Learn More

Calculate Your Mortgage

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
$

0%

1%

5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

$1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

What's Your Home Worth?

Should You Buy A Bigger Home? October 14, 2021

Should You Buy A Bigger Home?

If you have always wanted to live in a bigger home, then you may be wondering when the right time is for you to move. Bigger homes are more expensive and require more maintenance. However, you may be at a point in your life financially where you’re ready for a bigger place. Here are some […]

Upgrades You Should Make Before Listing Your Home October 7, 2021

Upgrades You Should Make Before Listing Your Home

One of the biggest things that you can do to sell your home is make it stand out, and that can be done by upgrading your home. Here are a few home improvement projects that will give your house a facelift before you put it on the market. Update Cabinets It can be expensive to […]

Cost-Effective Home Improvement Projects September 29, 2021

Cost-Effective Home Improvement Projects

Do you want to make your home a better place to live but feel like you do not have enough money to do that? If that is the case, then you are not the only one. Many people out there give up on home improvement projects out of fear of high costs. You do not […]

Essential Fall Maintenance Checklist September 22, 2021

Essential Fall Maintenance Checklist

The nip of the first chill in the air. The colorful foliage. The pumpkin spice everything. Oh yeah, and the long list of home maintenance tasks awaiting you at the start of the season. The postsummer months are a critical time for knocking out routine home maintenance to keep your household running smoothly into winter. […]

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Contact Tom Horne Jr.

Tom Horne Jr. - Sr. Loan Officer

NMLS# 936828

(512) 276-4273

305 Denali Pass Drive, Suite C Cedar Park, TX 78613

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