Lake Travis Mortgage Lender

Financing in Lake Travis (Lakeway, Lago Vista & Spicewood)

Quick answer: Top Notch Mortgage finances lake homes, short-term rentals and custom builds around Lake Travis, including Lakeway, Lago Vista and Spicewood. Investors can qualify with a DSCR loan based on rent, long-time owners can tap equity, and buyers with a lake lot can build with one loan.

What to know before you buy, build or borrow

• Rental rules change from town to town. Lakeway caps the number of short-term rental permits for single-family homes and requires spacing between them, while other cities and unincorporated areas around the lake handle rentals differently. Many subdivisions also have deed restrictions. We help you check before you buy.
• Equity without losing your rate. Owners who bought years ago often have large equity. A fixed-rate second mortgage can free up cash while keeping a low first-mortgage rate, or Texas homestead cash-out rules may allow a refinance.
• Jumbo is common. Many lake properties are priced above the conforming loan limit. We will tell you early which loan fits.
• Lake lots take planning. Steep lots, septic systems and water access can affect building costs. Top Notch Build combines the lot, the construction and the mortgage into one loan.

Loans we make in Lake Travis

• 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