Brad Robbins and Buddy Michna help Central Texas buyers find financing solutions that traditional banks may not offer.
Tell us what you want to accomplish. We'll help you find the right way to finance it.
No credit pull to get started • No obligation • Local Central Texas team
First home or next home, get pre-approved and shop with confidence. FHA, VA, USDA, conventional and down payment help.
Buying options →Finance the land, the build, or both with Top Notch Build™. One-time close options from 0% down for eligible buyers.
See Top Notch Build™ →Pay off debt, renovate or invest. Cash-out refi or a fixed-rate second that keeps your low first-mortgage rate.
Cash-out options →DSCR loans qualify on the rent, not your tax returns. 1-4 units, LLCs welcome, no income verification.
DSCR loans →We have expanded our lending options with faster closings and more programs, so the deal that does not fit a bank box still gets done.
Qualify on rental cash flow. No tax returns, no W-2s, no employment verification.
See DSCR loans → HomeownersTap equity with a fixed-rate second and keep the low rate on your first mortgage.
See cash-out options → Self-employed12 or 24 months of personal or business statements instead of tax returns.
See bank statement loans → ConstructionOne-time close construction loans, plus lot and lot + construction financing.
See Top Notch Build™ →*Top Notch Build™ one-time close: 0% down for eligible USDA and VA borrowers; 3.5% FHA and 10% Conventional minimums. Lot + construction financing up to 85% based on the lesser of loan-to-cost or loan-to-value. Program guidelines as of October 2026 and subject to change. Subject to credit approval. Not all applicants will qualify.
Top Notch Build™ is our construction financing program designed to help you finance the land, the build, or both.
Whether you're buying a lot today, already own your land, or have plans ready to go, we'll help you structure the financing and guide you through the construction loan process.
One loan covers the lot, the build and your permanent mortgage. One approval, one closing and one set of closing costs, with Conventional, USDA, FHA and VA options and up to 12 months to build.
*For eligible USDA and VA borrowers. Conventional starts at 10% down. Credit scores from 650.
Start My One-Time Close →Not ready to build yet? Finance the lot now and give yourself time to finalize your plans. Choose a 12-month interest-only option or a longer-term principal and interest structure.
Explore Lot Financing →Not a fit for the one-time close yet? Combine the lot purchase and interim construction financing into one closing. Already own the homesite? Its value can count toward your equity.
**Up to 85% based on the lesser of loan-to-cost or loan-to-value.
Review My Build →You don't have to figure out the construction loan process on your own. Brad or Buddy will walk you through the documentation needed to get your project reviewed.
Get My Construction Game PlanTypical items include:
Program terms and guidelines subject to change. Loan approval is subject to credit, collateral, income, documentation and applicable underwriting requirements.
Too many lenders start with the loan they want to sell. Brad and Buddy start by listening. They learn your goals, teach you how your options work, and prescribe the loan that fits you, not the other way around.
Your goals, your budget, your timeline. Before we talk loans, we learn what you are trying to accomplish.
We walk you through every option that fits, side by side, in plain English, including what each one really costs.
Then we recommend the loan that fits you, not the other way around, and guide you all the way to closing.
Branch Manager · NMLS #1798987
Brad is a teacher at heart. He walks every client through how the loan process works, what each option really costs and the trade-offs between them, so you can make a confident decision instead of a rushed one. Whether you are buying your first home, refinancing, pulling cash out or growing a rental portfolio, he lays out the choices in plain English and helps you pick the one that fits your goals.
Branch Manager · NMLS #2034234
Buddy believes the right loan starts with the right questions. He takes the time to understand your income, your timeline and your long-term plans before recommending anything, then puts your options side by side so the best path is clear. Known for his attention to detail, he keeps the process organized and stress-free from application to closing.
Not sure which one fits? That is what we are here for. Pick a starting point or just ask.
Start with a quick call, a text or your 60-second Game Plan. We learn what you want to accomplish, your budget and your timeline. No credit pull to get started.
Apply online in minutes. Brad or Buddy personally reviews your file, walks you through every option side by side and shows you exactly where you stand.
We keep you, your agent and the title company in the loop from contract to keys, so there are no surprises at the closing table.
Real words from real borrowers. Worked with us? We would love to hear from you too.
“Brad Robbins did an amazing job of getting me a loan for my new home. Not only did he do a Top Notch Job, he went above and beyond… I could have qualified for many of his loan programs, but he specifically chose the loan that was right for me and my financial situation! Thank you Brad for making the American dream come true of owning a home!”
“Brad went the extra mile to help us with our home purchase. He was professional yet personable. I didn't feel like I was just a number but a client. I would definitely recommend Brad for anyone looking for exceptional service!”
“Great service before, during and AFTER the sale… Brad and his team are awesome to do business with!”
With offices in Austin and Taylor, we lend across the entire Austin metro: Travis, Williamson, Hays and Bastrop counties, plus Milam County and the rest of Texas. Small-town roots also mean we understand rural properties, acreage and USDA lending that big-city lenders often struggle with.
Straight answers to the questions Central Texas borrowers ask us most, written by Brad and Buddy.
A DSCR (debt service coverage ratio) loan is an investment-property mortgage that qualifies on the rent the property earns instead of your personal…
Read the answer →InvestorsDSCR equals the monthly rent divided by the monthly PITIA payment (principal, interest, property taxes, insurance and HOA). For example, $2,400 in…
Read the answer →Cash-Out & EquityIn Texas, borrowing against the equity in your homestead is governed by Section 50(a)(6) of the Texas Constitution. All loans on the home combined…
Read the answer →Cash-Out & EquityIf your current first-mortgage rate is lower than today's rates, a fixed-rate second mortgage usually makes more sense because it leaves your low…
Read the answer →Buying a HomeUSDA home loans help low- and moderate-income buyers purchase a primary home in eligible rural areas, often with little cash needed upfront.…
Read the answer →Land & ConstructionA construction loan is short-term financing that pays your builder in stages, called draws, as the home is built. When the home is finished, the…
Read the answer →Click Apply Now to start the secure application, or call Brad at 512-269-5278 or Buddy at 512-595-6220. Most pre-approvals take about a day once your documents are in.
Getting a game plan and talking through options does not require a credit pull. We will let you know before anything is run.
Top Notch Mortgage has offices in Austin (1250 Capital of Texas Hwy S, Bldg 3, Suite 400, Austin, TX 78746) and Taylor, Texas. Call or text Brad Robbins at 512-269-5278 or Buddy Michna at 512-595-6220.
Conventional, jumbo, FHA, VA and USDA home loans; DSCR loans for real estate investors; bank statement loans for self-employed borrowers; cash-out refinances and fixed-rate second mortgages; rate-and-term refinances; down payment assistance; and Top Notch Build™ construction and lot loans.
Yes. Top Notch Mortgage is powered by Barton Creek Lending Group, LLC, company NMLS #264320. Brad Robbins is NMLS #1798987 and Buddy Michna is NMLS #2034234. You can verify all three on NMLS Consumer Access.
No. We have offices in Austin and Taylor, and we lend across the entire Austin metro, including Austin, Round Rock, Georgetown, Pflugerville, Cedar Park, Leander, Hutto, Manor, Kyle, Buda and Bastrop, and throughout Texas.
Yes, and we are very good at it. If your credit is not where it needs to be yet, we will review your report with you and prescribe a specific, step-by-step plan to rebuild it, such as which balances to pay down first and what to avoid while your score improves. Then we stay in touch until you are ready to buy.
Yes. Construction and land financing through Top Notch Build™ is one of our specialties, and we will walk you through each step so your build stays on track.
Usually your ID, recent pay stubs, two years of W-2s or tax returns and two months of bank statements. We will send you a simple checklist for your loan type.
Tell us what you want to accomplish and Brad or Buddy will personally review your options and get back to you within the hour. No credit pull. No obligation.
Call or text either of us directly:
Brad 512-269-5278 · Buddy 512-595-6220
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