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%

$
$
Want a Copy of the Results?

$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%

$
$
Want a Copy of the Results?

$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%

$
$
Want a Copy of the Results?

$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?

November 21, 2019

Places Your Home May Be Losing Heat

Keeping your home warm while keeping your electric bill low is the goal for most homeowners. If it seems like your home is always chilly but your energy bill is high, you may be losing heat. Here are some of the most common places your home can lose heat: Around Windows Your windows are one […]

November 14, 2019

Home Maintenance Projects You Shouldn’t Overlook

The big improvements always get all the glory, but what about all those little projects around the house? Sure, they may not be as gratifying as ripping out cabinets, but tackling necessary home maintenance chores now will save you big headaches down the road. So before you undertake another huge home improvement, check out these […]

November 7, 2019

Build A New Home Or Buy An Old One?

Generally speaking, it makes sense to search for older things rather than their newer counterparts when you want to save money. This doesn’t, however, always hold true when it comes to buying a home. Here are several factors that may lead to older homes costing more than new construction: Energy Efficiency One of the great […]

October 31, 2019

Hardwood vs. Laminate Flooring

The flooring of a home is one of its defining features. Wood flooring remains one of the most popular options, as it is a naturally inviting, beautiful and timeless material. While older, more traditional homes often have the original hardwood floors still in place, many newer homes are using laminate. It offers a natural look […]

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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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