We are American Capital Home Loans, located in Austin, Texas. Since 2003, we’ve been dedicated to helping thousands of Texas residents with all their Texas mortgage needs—from purchase loans, cash out loans, and jumbo loans—to refinancing your current mortgage--and everything in between.
We’re a Texas Mortgage Banker. Not a Mortgage Company. Not a Mortgage Broker. What does this mean? It means we underwrite and fund most of our loans in house, so you’re not waiting for another bank’s approval on a home loan. Our stamp of approval is the only one you need. On a grander scale it means more efficiency. We can fund the loan faster, iron out any conditions in a file faster, and communicate between Bankers and Processors more effectively
As a Mortgage Banker, we identify the best Texas home loan for each borrower’s needs (that’s you!) and find the best rate available with the lowest closing costs in both residential and commercial loans.
We are unmatched in closing costs, efficiency and truthfulness. Whether it be refinancing a mortgage, or purchasing a home loan in Austin or anywhere in Texas, we ensure that you get the best deal possible as quick as possible.
Depending on the type, we can close a file in as little as two weeks. Whether it takes longer or not, we promise we’ll be there every step of the way to make sure your process is as smooth as possible.
We never forget how valuable your time is to you, so let us show you why so many people trust us to handle their Texas Home Loan. We are very volume based, so we do tend to have substantially lower rates and closing costs. Call us and see how fast and easy closing your loan will be! Thank you again for visiting American Capital Home Loans, and we look forward to hearing from you!

American Capital Home Loans. Experience Truth in Lending.