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?

5 Moving Mistakes to Avoid September 8, 2021

5 Moving Mistakes to Avoid

Moving can be a long and difficult process. It’s no surprise that many people experience hiccups along the way. These tips may alleviate the pain and frustration that comes with making those mistakes. Keep reading to learn about some of the most common moving mistakes, as well as how to fix them. Not scheduling your […]

Safeguarding Your Real Estate Investment August 31, 2021

Safeguarding Your Real Estate Investment

Your home is likely the largest investment you’ll ever make, and something you’ll obviously want to preserve. Preventative home maintenance will not only protect your home and maintain its value, but it will also help you save money in the long run. You will also ensure that your home is a safe and comfortable place […]

HOA Pros & Cons August 24, 2021

HOA Pros & Cons

Across the U.S., homeowners’ associations are on the ascent. So, what’s the draw of homeowners’ associations? By the same token, what are the drawbacks? A well-run and managed HOA can be a blessing, and a poorly managed HOA can be a curse. Here are some of the blessings, and the curses, of homeowners’ associations (HOAs). […]

Thinking About Solar For Your Home? August 17, 2021

Thinking About Solar For Your Home?

One of the most costly expenses for homeowners is their monthly energy bill. This is especially true for those who live in very hot or very cold climates. Thus, it’s no surprise why so many homeowners have already transitioned to solar power to meet their energy demands. However, before you fully transition, here are a […]

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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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