If you’re buying a home in Round Rock, you deserve a mortgage broker who knows the market — and who’s going to shop the rates, not just hand you whatever one lender offers. At Texas Mortgage Consultants, that’s exactly what you get.
I’m Russell Stout, an independent mortgage broker serving Round Rock and the greater Austin area. I work with 40+ lenders to find you the best rate and loan structure for your situation — and I charge no lender fees. That combination of access and low cost is hard to find anywhere else.
Why Round Rock Buyers Work With Me
Round Rock has grown into one of the most desirable communities in Central Texas. With top-rated schools, a strong job market anchored by Dell Technologies and other major employers, and neighborhoods that offer real value compared to Austin proper — it’s no surprise that demand for homes here remains strong.
That competitive market means your financing needs to be airtight. A pre-approval letter from a trusted local broker carries real weight with sellers. And when it comes time to close, experience matters — I’ve done thousands of loans and know how to get deals across the finish line.
Home Loans Available in Round Rock
Every buyer’s situation is different. I’ll help you compare options and choose the loan that fits your goals, not just the one that’s easiest to process.
Conventional loans — As little as 3% down, competitive rates, no upfront mortgage insurance for buyers with 20% down
FHA loans — 3.5% down, flexible credit requirements, great for first-time buyers
VA loans — Zero down payment, no PMI, exclusively for eligible veterans and active-duty military
USDA loans — Zero down for qualifying properties in eligible rural areas near Round Rock
Jumbo loans — For higher-priced properties that exceed conventional loan limits
DSCR loans — Investor financing based on rental income, not personal income
The Advantage of an Independent Broker
When you go directly to a bank or credit union, they can only offer their own products. I’m not tied to any one lender — I work with over 40 of them. That means I can compare rates and terms across the market and bring you the best option.
And because I run a lean operation with no lender fees and low overhead, I can pass those savings directly to you in the form of better pricing.
How the Process Works
Start with a conversation — Tell me about your situation: what you’re looking for, your timeline, and your budget
Get pre-approved — I’ll pull your credit, review your financials, and issue a pre-approval letter you can use with confidence
Shop with confidence — Your Realtor and the seller know you’re a serious, qualified buyer
Lock your rate — Once you’re under contract, we’ll lock in the best rate available
Close on time — I stay on top of the file so nothing falls through the cracks
Ready to Get Started?
Whether you’re a first-time buyer, moving up, or investing in Round Rock real estate, I’d love to help you find the right loan. Reach out today for a no-pressure conversation about your options.
Learn more about working with Texas Mortgage Consultants →
Frequently Asked Questions
Do you charge lender fees for Round Rock home loans?
No. I don’t charge lender fees. My compensation comes from the lender, not from you. That means you get expert guidance and access to 40+ lenders without paying extra for it.
How fast can you get me pre-approved in Round Rock?
In most cases I can have a pre-approval letter ready within 24–48 hours of receiving your application and documents.
Do you work with first-time home buyers in Round Rock?
Yes — first-time buyers are a big part of what I do. I’ll walk you through every step and make sure you understand your options before you commit to anything.
What’s the difference between a mortgage broker and a bank?
A bank can only offer its own loan products. As an independent broker, I work with 40+ lenders and shop the market to find you the best rate and terms available — then I handle the process from application to closing.
Can you help with VA loans in Round Rock?
Absolutely. VA loans are one of the best mortgage products available, and I help eligible veterans and active-duty military use their benefit to buy homes in Round Rock with no down payment and no PMI.
Russell Stout | Texas Mortgage Consultants, PLLC | NMLS #220896 | Company NMLS #1843758
(512) 423-4663 | 8805 Lemens Spice Trail, Austin, TX 78750
Serving Round Rock, Austin, Cedar Park, and the greater Central Texas area
