Marble Falls & Horseshoe Bay Mortgage Lender

Financing in Marble Falls & Horseshoe Bay

Quick answer: Marble Falls and Horseshoe Bay sit on the Highland Lakes, where lake rentals, second homes and custom builds are common. Top Notch Mortgage offers DSCR loans for rentals, second-home financing, cash-out for owners and one-time close construction loans.

What to know before you buy, build or borrow

• Both cities register rentals. Marble Falls and Horseshoe Bay each have short-term rental registration programs, and hotel occupancy tax applies. Some neighborhoods have their own restrictions too, so check 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.
• Waterfront and resort properties. Lake frontage, golf-course lots and resort communities can mean higher prices and HOA reviews. We plan for jumbo and condo requirements early.
• 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.

Loans we make in Marble Falls & Horseshoe Bay

• 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