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

Amount Financed $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?

How To Spruce Up Your Porch And Patio This Summer May 16, 2020

How To Spruce Up Your Porch And Patio This Summer

Outdoor spaces can start to wear thin after a while—especially if they’ve taken a beating from the winter months. Here are a few DIY projects so you can spruce up your front porch or back patio, just in time for all the nice weather ahead. Build flower boxes Porch railing planters are a great way […]

Projects To Tackle Around The House While You’re Stuck Inside May 9, 2020

Projects To Tackle Around The House While You’re Stuck Inside

The longer you spend at home, the more likely you’re starting to nitpick everything about your space. You know what will help? A home makeover project. Below is a list of easy, but impactful home improvement projects that can increase enjoyment of your space. Ultimate Spring Cleaning Past spring cleaning efforts have been valiant—this year, […]

Mistakes To Avoid When Selling Your Austin Home May 2, 2020

Mistakes To Avoid When Selling Your Austin Home

It’s exciting to put a house on the market and to think about making new memories in new spaces, but we can have deep sentimental attachments to the homes we’re leaving behind, too. Growing emotions can help or hinder a sale, depending on how we manage them. Homeowners need to know what it takes to […]

Don’t Make These Gardening Mistakes April 21, 2020

Don’t Make These Gardening Mistakes

Gardening and gardens are great for physical and mental health. However, there are important things you need to be doing, and not doing, in terms of avoiding common mistakes for those who are new to it. Planting Too Soon Do your homework with regard to seedlings. They all have their optimum times at which to […]

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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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