Austin Home Mortgage Expert

Helping you and your family achieve the dream of homeownership.

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Thomas Horne

Thomas Horne

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?

June 13, 2019

Lawn Care Mistakes That Could Hurt Your Austin Home’s Curb Appeal

A great lawn adds instant curb appeal to a home’s first impression, but according to Reviewed.com, homeowners may be making one of these common mistakes in their lawn maintenance: Cutting the grass too short Most grasses should be cut no shorter than 2.5 inches, according to Reviewed.com. Anything shorter could impede the grasses’ ability to […]

June 6, 2019

Household Items You Should Replace Regularly

Until Homeownership 101 becomes a prerequisite for obtaining a mortgage, most of us will learn how to handle many household tasks through trial and error. There are certain tasks—like replacing critical items before they reach the end of their life span—that you don’t want to learn the hard way. HVAC filters When to replace: Every […]

May 30, 2019

Tips For Knowing When to Upsize or Downsize

Are you considering moving to a new home? Perhaps you think a change will make everyone happier, and help you keep up with the cost and upkeep of homeownership. Right-sizing is a common term used to describe the process of choosing a home to fit your current needs. Here are four ways to tell that […]

May 23, 2019

Home Improvement Projects Perfect for Beginners

Some projects, like renovating your entire kitchen or turning a closet into a full bathroom, are too ambitious for most beginners. But even if you’re a DIY newbie, there are plenty of projects you can tackle without specialized expertise or experience. Plus, becoming more handy around your home is empowering. You’ll make mistakes along the […]

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Contact Thomas Horne

Thomas Horne - Sr. Loan Officer

NMLS# 936828

(512) 276-4273

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

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