Wimberley Mortgage Lender

Financing in Wimberley

Quick answer: Wimberley is one of the busiest vacation-rental towns in Central Texas, with cabins and homes along the Blanco River and Cypress Creek. Top Notch Mortgage offers DSCR loans for rentals, second-home loans, cash-out options and construction loans for building in the Hill Country.

What to know before you buy, build or borrow

• Check zoning first. The City of Wimberley regulates short-term rentals, and properties that are not owner-occupied may need a permit approved through zoning in some areas. Rules outside city limits are different. Confirm a property can operate as a rental before you buy.
• Mind the flood zone. Homes near the Blanco River and Cypress Creek can be in a flood zone, which may require flood insurance and affect your DSCR.
• 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.

Loans we make in Wimberley

• 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