Wise Capital Mortgage — Austin, Texas Mortgage Broker for Home and Investment Loans
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Austin, Texas · NMLS #2092335 · Equal Housing Lender

Meet the mortgage hero built for your loan

Wise Capital Mortgage matches every borrower with the specialist for their exact scenario — first-time buyer, investor, flipper or homeowner — across conventional, government and specialty loans. Your Mortgage. Your Empire.

50+
loan programs offered
0%
down payment options available
TX
licensed & local to Austin
Why borrowers choose Wise Capital
Broker, not one bank
We compare wholesale lenders for your scenario instead of selling one bank's rate sheet.
Fast, local underwriting
Austin-based loan officers who answer the phone and close on time.
Free appraisal offer
First 100 new clients are reimbursed for their appraisal at funding.

Loan Types

Every major loan program, under one Austin roof

From first-time buyers to seasoned investors, we originate the full range of purchase, refinance and specialty financing.

Conventional
As little as 3% down, no government backing required.
FHA
3.5% down with flexible credit guidelines.
VA
100% financing for veterans & service members.
USDA
100% financing in eligible rural & suburban areas.
Bank Statement
Qualify on deposits — built for the self-employed.
DSCR
Qualify investment property on rental cash flow.
Fix & Flip / Hard Money
Fast, asset-based capital for investors.
Refinance & Cash-Out
Lower your rate or tap your home's equity.
See every loan program

Meet Your Mortgage Heroes

A specialist for every part of your loan

Instead of one generalist, you get matched to the Hero built for your exact scenario.

HOMEFRONT — First-Time Home Buyer Specialist in Austin, Texas | Wise Capital Mortgage
First-Time Buyers
HOMEFRONT
Guides first-time buyers through FHA, conventional, VA and USDA financing from pre-approval to closing.
GRANT GUARDIAN — Down Payment Assistance Specialist in Austin, Texas | Wise Capital Mortgage
Down Payment Help
GRANT GUARDIAN
Tracks state, local and lender grant programs so a thin down payment doesn't stand between you and a home.
FLIPMASTER — Fix and Flip and Hard Money Loan Specialist in Austin, Texas | Wise Capital Mortgage
Investor Financing
FLIPMASTER
Fast, asset-based funding for fix-and-flip, hard money and bridge deals that need to close in days.
CAPTAIN EQUITY — DSCR and Investment Property Loan Specialist in Austin, Texas | Wise Capital Mortgage
Investment Property
CAPTAIN EQUITY
DSCR, Non-QM and bank statement loans for investors and self-employed borrowers who don't fit conventional boxes.
THE RATE SLAYER — Mortgage Refinance Specialist in Austin, Texas | Wise Capital Mortgage
Rate Shopping
THE RATE SLAYER
Reviews whether refinancing can lower your payment, drop your mortgage insurance, or shorten your term.
THE VAULT — Home Equity and Cash-Out Refinance Specialist in Austin, Texas | Wise Capital Mortgage
Home Equity
THE VAULT
Unlocks home equity through cash-out refinancing, home equity loans and HELOCs for renovation or investing.
Meet every Hero

How It Works

Four steps from application to keys

01
Apply
Tell us about your goals in a short online application.
02
Get matched
We shop your scenario across our lender panel for the best program.
03
Lock your rate
Review your options and lock in with full transparency on cost.
04
Close
Our team keeps underwriting moving so you close on schedule.

Meet The Team

Local loan officers who pick up the phone

Based in Austin and licensed across Texas, our officers guide every file personally from application to closing table.

Meet the full team
Matthew MontsDeOca — Founder, Wise Capital Mortgage, Austin, Texas
Matthew MontsDeOca
Mortgage Loan Officer · Austin, TX
"We treat every file like it's our own home closing."

Service Area

Proudly serving Austin and Central Texas

Licensed to originate loans across the state of Texas, with deep roots in these communities.

AustinRound RockLeanderCedar ParkBudaKilleenTempleGeorgetownSan Antonio

FAQ

Common mortgage questions

How much down payment do I actually need?
It depends on the program: conventional loans start at 3% down, FHA at 3.5%, while VA and USDA loans offer 100% financing for eligible borrowers. Grant and down payment assistance programs can reduce this further.
Can I qualify if I'm self-employed?
Yes. Our bank statement and Non-QM programs qualify borrowers using deposits or assets instead of tax returns, which is common for self-employed buyers and investors.
Do you lend outside of Austin?
We're licensed to originate loans throughout Texas, with dedicated coverage in Round Rock, Leander, Cedar Park, Buda, Killeen, Temple, Georgetown and San Antonio.
How fast can I close?
Timelines vary by loan type, but our local underwriting and hard money programs are built to close quickly when a deal is time-sensitive.

Ready to see your real rate?

No obligation. Answers from a real Austin loan officer.