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Texas Mortgage Consultants

Austin Mortgage Broker | Zero Lender Fees | All of Texas

Pflugerville Mortgage Broker —

Home Loans With No Lender Fees

Pflugerville has grown from a quiet Austin suburb into one of the most in-demand communities in Central Texas — and for good reason. Great schools, newer homes, easy access to the tech corridor, and prices that are still more affordable than Austin proper make it an attractive option for buyers at all stages of life. At Texas Mortgage Consultants, Russell Stout helps Pflugerville homebuyers get pre-approved fast, shop the best rates, and close with $0 in lender fees.

Why Pflugerville?

Pflugerville sits northeast of Austin, just off TX-130, and has grown to over 78,000 residents. What’s drawing buyers here:

  • Affordability — median home prices run $50,000–$100,000 below comparable homes in Austin proper
  • New construction — active communities like Blackhawk, Verona, Sorento, and Avalon offer modern homes with builder incentives
  • Commute access — TX-130 and US-290 connect Pflugerville to Round Rock, Austin, Samsung in Taylor, and the Domain tech corridor
  • Pflugerville ISD — well-regarded schools with multiple National Blue Ribbon campuses
  • Stone Hill Town Center and other retail/dining developments making it a complete community

Mortgage Options for Pflugerville Buyers

Whether you’re buying new construction, a resale home, or relocating from out of state, Russell works with the full range of loan programs available to Pflugerville buyers:

Conventional Loans

With Pflugerville home prices typically in the $300,000–$500,000 range, most buyers use conventional financing with as little as 3% down. Fannie Mae’s HomeReady and Freddie Mac’s Home Possible programs offer reduced down payments and PMI rates for buyers at or below area median income.

FHA Loans

FHA loans require only 3.5% down and accept credit scores as low as 580, making them a strong choice for first-time Pflugerville buyers. The 2026 Travis County FHA loan limit is $571,550 — which covers the majority of Pflugerville’s resale market.

VA Loans

Pflugerville’s proximity to Fort Cavazos (60 miles north) and Joint Base San Antonio means a significant veteran and military population in the area. Eligible veterans can purchase with $0 down and no PMI. Contact Russell to discuss VA eligibility and current availability.

USDA Loans

Some addresses on Pflugerville’s outer edges may be eligible for USDA 100% financing — Russell can check any specific address against the USDA eligibility map.

New Construction in Pflugerville — Don’t Just Use the Builder’s Lender

If you’re buying new construction in Pflugerville, the builder’s on-site lender will offer you a mortgage — and will often sweeten the deal with incentives like closing cost credits or rate buydowns. Before you sign, compare those terms against what Russell can offer from the wholesale market.

Builder-affiliated lenders are paid to capture your loan. They don’t shop rates on your behalf — they offer you their product and make the incentives look attractive. Russell has seen cases where the builder’s lender came in with a higher rate that cost buyers more over time than the closing cost credit was worth.

A quick comparison takes 20 minutes and costs you nothing. At minimum, you’ll know you got a fair deal.

Why Pflugerville Buyers Choose Texas Mortgage Consultants

As an independent mortgage broker, Russell shops your loan across 40+ wholesale lenders — not just one bank’s products. He also charges $0 in lender fees, which means no origination fee, no processing fee, and no underwriting fee. For a $400,000 Pflugerville home loan, that typically saves buyers $2,000–$5,000 compared to going to a bank.

Russell serves buyers across the northeast Austin corridor — Pflugerville, Hutto, Manor, Elgin, Taylor, and Round Rock. He knows this market and can usually have a pre-approval letter ready within 24–48 hours.

Ready to Buy in Pflugerville?

Whether you’re under contract on a new build or just starting your search, a pre-approval with Russell is the right first step. He’ll give you a clear picture of your buying power, your rate options, and your monthly payment before you start house hunting.

Call or text: 512-423-4663
Email: rstout@texasmortgageconsultants.com
Or start your pre-approval online →