Smarter mortgage decisions start here.
Austin doesn't sell mortgages. He helps you understand your options, avoid costly mistakes, and choose the financing strategy that truly fits your goals.
Helping Florida families make smarter mortgage decisions.
I'm not here to convince you to get a mortgage. I'm here to make sure that if you do, it's the right one.
Too many people focus on finding the lowest interest rate without understanding the bigger picture. I take the time to explain your options, compare loan strategies, and help you make a decision you'll still feel good about years from now.
Whether you're buying your first home, upgrading, relocating to Florida, or refinancing, my goal is simple: give you the education and guidance to move forward with confidence.
Learn more about Austin
NMLS
#2639747
What We Offer
Loan programs built around your goals
First-Time Buyers
Down payment assistance, FHA, conventional, and programs designed to get you into your first home.
Learn moreVA Loans
Zero-down financing for eligible veterans, active-duty service members, and surviving spouses.
Learn moreFHA Loans
Low 3.5% down payment and flexible credit requirements for first-time buyers.
Learn moreSelf-Employed
Bank-statement loans for borrowers with non-traditional income. No tax returns required.
Learn moreSecond Homes
Vacation properties and snowbird financing in Florida's coastal markets.
Learn moreRefinance
Rate-and-term, cash-out, and recasting strategies to optimize your existing mortgage.
Learn moreDaylight on the Mountain
Why does the advertised rate matter less than you think?
The rate you see on a billboard doesn't include lender fees, points, mortgage insurance, property taxes, or insurance premiums. Austin builds a complete picture of your total monthly obligation so you can make a decision based on reality, not marketing.
Total Cost
Not just the rate. The full picture over 5, 10, and 30 years.
Zero Pressure
Understand first. Decide when you're ready. No hard sells.
Client Reviews
Straight answers, real results
"Austin did an outstanding job helping me through the home buying process! Every single question no matter how big or small he answered promptly. I will without a doubt recommend him to everyone I know for all mortgage needs. The home buying process is so stressful as it is but having an amazing lender significantly improves the experience. Thank you Austin, we wouldn't have our home without you!"
Lucas K.
Port Saint Lucie, FL
"Very easy to work with. Helped me bump up my credit and get into a good loan product despite a couple recent bad remarks. We got our dream first home due in large part thanks to Austin."
Brendan
Land O Lakes, FL
"Wonderful lender, extremely thoughtful, organized & patient. I had the pleasure working with Austin for my first home purchase. He was incredibly kind, patient & thoughtful; Austin went out of his way to get me the best rate possible, closed on time, and guided me each step of the way. There was never a moment I felt bad asking a question I wasn't sure on, and he never kept me waiting. I'm extremely grateful to have worked with him, know that you're in great hands!"
Andre R.
Clermont, FL
From the Blog
Learn before you borrow
Understanding Mortgage Credit Scores
What lenders actually look for, how to improve your score before applying, and which scoring model matters.
Read moreFlorida Homeowner's Insurance Guide
Why Florida insurance costs are rising and how to budget for the real cost of homeownership in the Sunshine State.
Read moreClosing Costs Decoded
A transparent breakdown of what you'll pay at the closing table and which fees you can actually negotiate.
Read more
Ready to Start?
Let's have a conversation about your goals
No commitment. No hard sell. Just a straightforward conversation about what makes sense for your financial situation.