Buy or refinance your home

I’m Maria Soto, your mortgage broker in Austin and Central Texas. I help you understand your options and prepare your application, in English or Spanish.

Schedule a call

Not sure where to start? Let’s discuss your goals and next steps.

Start your application

Options for your goals

We explain loan options, down payment and costs so you can make an informed decision.

Conventional loans

FHA loans

Jumbo loans

USDA loans

VA loans

Non QM loans

ITIN loans

Foreign national loans

How can we help you?

Homebuyers

Understand down payment, costs and the steps to apply for a home loan.

Refinance

Compare payment, costs and loan term before you decide.

Realtor

Mortgage guidance in English and Spanish for your buyers.

I want to buy a home

I want to refinance

I’m a Realtor

Choose your goal and see the next step.

“She is very kind, knowledgeable and professional. Maria made us feel very comfortable with the entire process.”

Valeria Canales · Google

★★★★★

Reviews from Google

5.0 / 5 · 23 Google reviews · Verified October 6, 2026.
Selected excerpts. Read all reviews on Google

★★★★★

“…she’s fluent in both English and Spanish, which makes the process so much smoother for my bilingual clients.”

Alejandra Velasquez · Google

Sabine Lomeli

★★★★★

Your mortgage questions, answered

You do not have to assume you need to save 20% before getting started. We offer down payment assistance programs and no-down-payment options for eligible buyers. I help you compare upfront cash, monthly payments and the terms of each option. No down payment does not mean no closing costs. See how to prepare for your purchase.

They are different, and I help you plan for both from the start. Your down payment goes toward the purchase price; closing costs cover loan and transaction expenses. We review your savings, your target monthly payment and estimated costs so you can make an informed decision. More on upfront costs: CFPB.

From our first conversation, I explain which documents we need and what comes next. We review your file early and coordinate financing with your Realtor to move toward closing. Timing depends on your loan, the property and outstanding conditions; I keep you informed about what is needed and your next step.

My goal is for you to understand where you stand before you start shopping for a home. We begin with your goals and budget, then review the income, debts, savings and documents needed to evaluate your preapproval. If you are self-employed or recently changed jobs, we also review how to document your income. Final approval depends on the loan and property review. Learn how to get started.

Yes. For investment properties, we offer DSCR options that focus on the property’s rental income rather than the traditional relationship between your personal debts and income. I help you review estimated rent, the payment and costs to assess whether this option fits your project. Credit, down payment and property requirements still apply. Let’s discuss your investment.

Yes. If credit or debt is holding back your home purchase, we review which factors need attention and what steps could help you prepare. We guide you as you work on your credit and compare how different debt decisions could affect your budget. If a loan was denied, we review the reason and available alternatives. We do not promise a credit score or approval; we help you understand how to move forward.

Your real estate plan starts with a conversation. I’m Maria Soto, and I help you connect your credit, budget and financing options to buy, refinance or invest in Austin and Central Texas. Schedule your consultation in English or Spanish.