Home loans built around you.
Exceptional service. Smart solutions.
A better mortgage experience.
Counting up from Austin's first closed loan in 2001
Funding homes across Central Texas.
Every glowing pin is a real market where Gavin Lending has closed loans. Roll over any city to see the median price and our specialty programs.
Real Texans. Real rates. Really fast.
Every mortgage is different. Ours is built around what's actually happening in your life not a script from a call center.
An answer in hours, not weeks.
While big banks are still passing your file between departments, we're issuing your pre-approval letter, often before you finish your morning coffee.
Rates banks can't match.
As a broker, we shop dozens of lenders and pass their best pricing directly to you.
The same person, start to finish.
You'll never get bounced to a call center. Ever.
Buying in Texas is harder than it should be.
Rates are in the mid-6s, inventory moves fast, and most lenders treat you like a loan number. Austin buyers lose deals every week not because they can't afford the home, but because their financing wasn't ready or their lender went quiet.
- ✕ Big banks take weeks to approve and homes don't wait
- ✕ Online lenders hand you to a call center, never the same person twice
- ✕ Nobody explains what you actually qualify for, or why
July 2026
loan limit
approvals
to close
A track record you can actually verify.
Why homeowners choose
Gavin.
Rate transparency. Local judgment. A team that actually picks up the phone.
Competitive
Rates.
40+ investors on every file. Big savings for buyers, refi, and repeat homeowners.
Fast
Closings.
On time, every time. Streamlined systems that keep every transaction moving.
Local
Experts.
Texas-focused guidance. Market insight. Lender knowledge. Real client-first service.
Always
Responsive.
Every step, every hour. Proactive updates, clear answers, and a team that stays reachable.
Texas mortgage rates, updated daily.
Sample national averages for July 1, 2026. Your personal rate depends on credit, down payment, and loan details.
Rates shown are sample national averages compiled from public sources (Bankrate, Fortune/Optimal Blue, Veterans United) as of July 1, 2026, for illustration only. Not a commitment to lend. APR includes estimated fees and will vary by borrower. All loans subject to credit approval. Equal Housing Lender.
If rates go lower, your payment can too.
We'll watch the market for you. The moment refinancing makes sense, you'll get a call not another spam email.
Turn home equity into breathing room.
Use your home's equity to consolidate debt into one lower monthly payment. We'll show you the math first.
Find the loan that fits you.
Six ways Texans finance a home. Not sure which is right? That's exactly what we're here for.
Conventional
The standard home loan for buyers with steady income and solid credit.
- ✓ As little as 3% down
- ✓ Drop PMI at 20% equity
- ✓ 15, 20, or 30-year terms
FHA
Government-backed loans with flexible credit requirements.
- ✓ Just 3.5% down
- ✓ Credit scores from 580
- ✓ Gift funds allowed
VA
Earned by service. The strongest loan benefit in the country.
- ✓ $0 down payment
- ✓ No monthly mortgage insurance
- ✓ Lowest average rates
USDA
Zero-down loans for eligible rural and suburban Texas homes.
- ✓ $0 down payment
- ✓ Below-market rates
- ✓ Many Austin-area suburbs qualify
Jumbo
Financing above the $832,750 conforming limit for higher-priced homes.
- ✓ Loans up to $3M+
- ✓ Competitive jumbo pricing
- ✓ Primary, second & investment
Refinance
Lower your rate, shorten your term, or tap your home's equity.
- ✓ Rate & term refinance
- ✓ Cash-out for renovations
- ✓ VA IRRRL streamline
We know your neighborhood.
From downtown lofts to Hill Country ranches, we've financed homes in every corner of Central Texas and we know each market's quirks, appraisal patterns, and loan programs.
Know your payment before you shop.
Pick a loan type, enter your numbers, and watch your estimated payment update instantly.
- ✓ Compare 7 loan types side by side
- ✓ See total interest, not just the monthly
- ✓ No sign-up, no email required
- ✓ Save it, share it, or call us about it
Mortgage Payment Calculator
Estimate your monthly principal & interest.
From “hello” to keys in hand.
Apply in 60 sec
One page. 6 questions. No SSN required to start.
Same-day approval
Full underwriting + Austin's manual review, in hours not days.
Docs & appraisal
Upload docs from your phone. We order the appraisal same-day.
Clear to close
Final underwriting. Closing Disclosure delivered 3 days pre-close.
Keys in hand
Sign at the title company, pop the champagne. You own the house.
While big banks are still gathering docs, you're getting the keys.
Get pre-approved in 3 easy steps.
Takes about 60 seconds. No hard credit pull, no obligation.
What brings you in today?
Tell us your goal and we'll tailor everything to it.
Tell us about the home
Rough numbers are fine we'll refine them together.
Where should we send your rate?
Your loan officer will reach out, usually within the hour.
You're all set!
Thanks a licensed Gavin Lending officer will call you shortly with your personalized rate. Prefer to talk now? Call (512) 825-7007.
Demo form submissions aren't sent anywhere yet. Wire this to your CRM (or a soft-pull rate API) before launch.
You served us. Let us serve you.
Firefighters, EMS, law enforcement, military, veterans, healthcare workers, and teachers save real money when they buy, sell, or refinance with us. Our way of saying thank you.
Hero Rewards give back an average of 0.7% of the purchase price, plus reduced lender fees and Texas heroes may stack the Homes for Texas Heroes down-payment assistance program on top.
See if you qualify →Who qualifies as a hero
Savings shown are national Homes for Heroes® averages. Requires closing with a Homes for Heroes network specialist. Your savings may vary.
23 Years. Six Thousand Homes.
One handshake at a time.
The receipts don't lie. Here's what 23 years of putting families first looks like.
4.9 out of 5.0 · 4,137+ homeowners · 23-year career
Austin
Dell'Abate.
23 years in Texas mortgages. Same-day approvals. Homes for Heroes affiliate. The kind of loan officer who picks up on Saturday because you're closing on Monday.
How we saved the Reyes family $312/month.
A real-world example of what the right loan structure can do. (Placeholder case. Swap for a real client story.)
First-time buyers, South Austin
The challenge
The Reyes family assumed they needed 20% down and a perfect score to buy in Austin. Two lenders had already turned them away. They were ready to give up on owning this year.
What we did
We ran both FHA and conventional side by side, showed them a 5%-down conventional path that avoided lifetime FHA mortgage insurance, and locked their rate before the market moved. Same-day approval kept their offer alive against three others.
Financing for every kind of Texas home.
Jumbo, conventional, VA, FHA — whether it’s your first condo or a hill country estate, the process gets the same white-glove treatment.
Texas families, real results.
Rated 4.9 out of 5 across 4,137+ homeowners.
Two lenders had already turned us down. Gavin ran the numbers and got us the keys 14 days later. Painless.
Used my VA benefit and closed with zero down. He explained things my last lender never bothered to. Can't recommend enough.
Refinanced and lowered our payment by $300 a month. Fast, clear, and he actually answered the phone. That part matters.
Same-day approval saved our offer in a bidding war. Three other buyers, and we won because our financing was locked and ready.
Verified client reviews · 4,137 total · 96% five-star · NPS +81
VERIFIED CLIENT REVIEWS
"Treated like family. Quick close and stellar customer service."
"Austin's level of service was off the charts. Couldn't have been happier."
"Austin made things simple, approachable, and feasible."
"Austin was available to me 24/7. Never gave up getting me a loan."
"Austin did a wonderful job guiding us through our first home purchase and secured a great rate."
4.98 Stars Across 4,137 Reviews
You helped us get here. Tell the world.
4,137+ Texas families served. Your story helps the next family find the right lender.
Leave a Review
Your review appears instantly on this page.
Also on Google?
Google reviews help Texas families find us. If you've worked with Gavin, a quick Google review makes a huge difference.
Share Your ExperienceCommercial Lending Built for Texas.
From small-balance commercial to large mixed-use portfolios. Gavin Lending structures deals that banks turn away. 23 years of Texas market knowledge, real underwriting relationships, and fast answers.
Commercial Real Estate
Office, retail, warehouse, and industrial. Loan amounts from $500K to $25M+. SBA 504 & 7(a) eligible.
Multifamily (5+ Units)
Apartment buildings, mixed-use, and portfolio loans. Agency (Fannie/Freddie) and non-agency options available.
Fix & Flip / Bridge
Hard money and bridge loans for investors. Close in 7–14 days. Asset-based underwriting credit flexible.
Construction & Land
Ground-up construction, lot loans, and land acquisition. One-time close options available for residential builds.
DSCR / Investor Loans
Qualify on rental income, not personal income. No tax returns required. Ideal for portfolio investors and LLCs.
SBA & Business Loans
SBA 7(a) and 504 programs for owner-occupied commercial real estate and business expansion. Up to 90% financing.
Ready to talk commercial?
Every commercial deal is different. Call Austin directly for a no-obligation conversation about your project, timeline, and financing options.
Gavin vs. the big banks vs. online lenders.
Why a local Texas broker beats both extremes.
Full Loan Application Fannie Mae 3.4 / MISMO
Complete your application securely online. Your information is encrypted and submitted directly to Austin. Upload supporting documents and we will follow up within 2 business hours.
The experience behind the handshake.
Old-school service, powered by the same technology the biggest lenders use.
Bank-Level Security
Your documents and data are protected end to end.
- ✓ 256-bit encryption
- ✓ Secure document portal
- ✓ SOC 2 compliant systems
Speed & Automation
Automated underwriting means answers in hours.
- ✓ Same-day pre-approvals
- ✓ Digital income & asset verification
- ✓ e-Sign from your phone
Compliance First
Every loan meets federal and Texas lending regulations.
- ✓ TRID & RESPA compliant
- ✓ Licensed & NMLS-registered
- ✓ Equal Housing Lender
Answers before you ask.
Everything you need to know to feel confident about your next move.
Less than most people think. VA and USDA loans can be $0 down, FHA is just 3.5%, and many conventional loans start at 3%. We'll show you every option you qualify for and what each means for your monthly payment.
No. Getting your initial rate and pre-approval uses a soft credit check, which has zero impact on your score. A hard pull only happens later, with your permission, once you're moving forward on a specific home.
We offer same-day approvals and average around 14 days from accepted offer to keys. Significantly faster than most big banks. Timelines depend on appraisal and how quickly documents come back, and we handle the chasing for you.
It varies by program. FHA loans can go as low as 580, VA loans have flexible requirements, and conventional loans typically start around 620. Lower score? We'll give you a clear, no-judgment plan to get where you need to be.
Your bank can only offer you its own products. As a broker, we shop dozens of lenders to find your best rate and program often at wholesale pricing banks can't match while you keep one dedicated point of contact the whole way.
Closing costs typically run 2–5% of the purchase price and cover things like appraisal, title, and lender fees. We give you a clear, itemized estimate up front no surprises at the table. We can explore lender credits or seller concessions to reduce them.
Yes. We finance primary residences, second homes, and 1–4 unit investment properties across Texas, including DSCR loans for investors who qualify based on rental income rather than personal income.
Giving Back to Texas.
Austin Dell'Abate has spent 23 years not just closing loans but educating Texas families, mentoring first-time buyers, and investing in the communities he serves.
🎓 Homebuyer Education
Monthly in-person and virtual workshops covering credit, down payment programs, the buying process, and what to expect at closing. No sales pitch just real education.
Register for next workshop →Free one-on-one credit consultations for buyers who are not quite ready. We build a 6–12 month roadmap to get you to the score you need.
Schedule a free consultation →Austin personally navigates TSAHC, TDHCA, and local city DPA programs many clients receive $10,000–$30,000 in assistance they did not know existed.
Check your eligibility →❤️ Community Involvement
Gavin Lending is a proud Homes for Heroes affiliate. Military, first responders, teachers, and healthcare workers receive real savings on every transaction not just a discount on fees.
See Heroes savings →A portion of every closed loan goes directly to the Central Texas Food Bank. Over the past 5 years, Gavin Lending has contributed to more than 50,000 meals served in our community.
Austin volunteers quarterly at Austin ISD schools teaching personal finance, credit basics, and homeownership to high school students. Planting seeds for the next generation of Texas homeowners.
Build Something
Extraordinary.
Join a 23-year powerhouse operation with the tools, culture, and compensation to take your career to the next level. We are growing fast and we want the best.
Partner with a lender who makes you look like a hero. Same-day pre-approvals, co-branded marketing, open-house support, and a direct line to Austin every time.
- ✓ Same-day pre-approvals for your buyers
- ✓ Co-branded listing flyers & open-house materials
- ✓ Client education events you can invite buyers to
- ✓ Referral program. Earn rewards every closed deal
- ✓ Direct cell access to Austin. No voicemail runaround
Join a broker shop with access to 200+ wholesale lenders, competitive splits, and the infrastructure to close more loans with less friction. We invest in your growth.
- ✓ Competitive splits. Keep more of what you earn
- ✓ Access to 200+ wholesale lenders & niche programs
- ✓ Marketing budget and lead generation support
- ✓ In-house processing and underwriting support
- ✓ Mentorship from a 23-year industry veteran
Start or accelerate your mortgage career. We provide hands-on training, a clear path to licensure, and a team environment where you will learn from the best in Texas.
- ✓ Paid training and licensing exam support
- ✓ Clear path from LOA to licensed LO
- ✓ Work directly with a top-producing branch manager
- ✓ Competitive base pay plus performance bonuses
- ✓ Remote-friendly and flexible schedule
The Platform
You Deserve.
After 23 years building one of Texas's most respected lending operations, Austin built the platform he wished he had starting out: elite tools, real support, and a culture that rewards performance.
Start Your Application
Austin personally reviews every inquiry and responds within 24 hours.
Let's get you home.
However you like to start, we'll meet you there. Free, no-obligation, and always a real person on the other end.