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RICH Home Loans LLC

Mortgage Broker in Austin, TX

Travis County · Austin–Round Rock–San Marcos metro

Austin prices softened off the 2022 peak but Travis County still runs at a premium to the Texas baseline, with jumbo activity concentrated west of MoPac. Rich Home Loans closes conventional, jumbo, FHA, and VA purchases and refinances across Travis County.

Check your rate — no credit pullBook a 15-minute call

Loan programs in Austin

  • Conventional — 2026 baseline conforming loan limit is $806,500 for a 1-unit home. Some counties exceed the baseline; check the current limit for Travis County at searchconformingloanlimits.com.
  • FHA — low down payment (as little as 3.5%), flexible credit. FHA loan limits are set at the county level and change yearly.
  • VA — 0% down for eligible service members and veterans, no mortgage insurance. County VA limits no longer apply to borrowers with full entitlement.
  • Jumbo — for purchases above the conforming limit in Travis County. Rates and guidelines vary by lender; we shop the options.
  • Refinance — rate-and-term and cash-out refinances on your Austin property.

Austin neighborhoods we serve

  • · Zilker
  • · Tarrytown
  • · Mueller
  • · East Austin
  • · Barton Hills
  • · Bouldin Creek

Not listed? We finance homes throughout Travis County.

Why a broker — not a big-bank retail LO

As a broker, RICH Home Loans shops the same loan across multiple wholesale investors on your behalf. Big-bank retail loan officers can only sell their own bank's product, whether or not it's the best fit. For a purchase in Austin, that often means a lower rate, lower closing costs, or both.

Rich Blanchard is a 30-year mortgage veteran. The numbers on your quote are the numbers you close at — no bait-and-switch.

Closing Checklist

The 84-item checklist Rich uses to review every Closing Disclosure before you sign.

Banking After Hours

Full PITI + DTI + pre-qualification, 24/7. No credit pull.

Book a call

Free 15-minute scenario review. Weekends OK.

Other Austin–Round Rock–San Marcos cities we serve

    Ready to start?

    Licensed in CO, TX, KS, and MO. Call, text, or email — or run your scenario yourself at Banking After Hours.

    (720) 619-9900 richblanchard@richhomeloans.com