Fredericksburg Mortgage Lender

Financing in Fredericksburg

Quick answer: Fredericksburg is one of the strongest vacation-rental markets in Texas, drawing visitors to its historic Main Street and nearby wineries. Top Notch Mortgage offers DSCR loans for guest houses, second-home loans, cash-out options and construction loans for Hill Country builds.

What to know before you buy, build or borrow

• Permits depend on zoning. Inside city limits, a short-term rental needs a city permit, and the property's zoning decides which permit types are allowed, including rentals that are not owner-occupied. Properties in the city's ETJ do not need a city permit. Check a property's zoning before you buy.
• Second home or rental? If you will use the place yourself part of the year, a second-home loan may cost less. If it will mostly be rented to guests, a DSCR loan that qualifies on the property's income is usually the cleaner path. We will show you both.
• Build it your way. Top Notch Build combines the lot, the construction and the permanent mortgage into one loan with one closing, so you can build a custom home or a purpose-built rental.
• Tap equity for your next rental. Owners with equity can use a second mortgage or cash-out refinance to fund the next guest house.

Loans we make in Fredericksburg

• DSCR loans for short-term and long-term rentals
• Cash-out refinance and fixed-rate second mortgages
• Top Notch Build™ custom home and lot loans
• Conventional, jumbo and second-home loans
• FHA and VA loans

Questions

Explore loan options

• USDA Loans
• Top Notch Build™ Construction
• FHA & VA Loans
• Conventional & Jumbo
• Refinance
• DSCR Investor Loans
• Cash-Out & Home Equity
• Bank Statement Loans
• Down Payment Help