Central Texas Mortgage Broker
Mortgage Broker in Dripping Springs, TX
Dripping Springs sits about 25 miles west of Austin and has trademarked its own nickname, the Wedding Capital of Texas, alongside a real distinction: the largest concentration of wineries, breweries, and distilleries anywhere in the state. Headwaters is the community I see the most files from out here. Beyond the tasting rooms, it is a different file entirely from the other cities I work in. Higher price points, and a buyer who is far more often self-employed, equity-compensated, or investing alongside a primary purchase. Jumbo comes up constantly here, and jumbo is where lender pricing spreads get widest, so shopping the file across the panel matters more, not less. Belterra buyers are served from this page as well.
Most purchases here start around $650,000 and run well past $950,000
Jennifer Ferrara
Loan Officer · NMLS #2781982
Fourteen years navigating real estate deals taught me to listen before I recommend anything. Tell me what you're working with, and let's talk it through.
What fits here
Loan options that come up most in Dripping Springs
Price points and buyer profiles differ market to market, so the financing conversation does too. These are the ones Dripping Springs raises most often.
Jumbo
A jumbo loan is a mortgage larger than the conforming loan limit set each year for your county, which means it cannot be sold to Fannie Mae or Freddie Mac. Underwriting is stricter, reserves matter more, and pricing varies a lot between lenders, which is exactly why shopping it matters.
Read moreSelf-Employed / Bank Statement
Yes. A bank statement loan qualifies you on deposits into your business or personal accounts, typically over 12 or 24 months, instead of the net income on your tax returns. It is built for self-employed and 1099 borrowers whose write-offs make their tax return income look far smaller than what they actually earn.
Read moreNon-QM
Non-QM stands for non-qualified mortgage. It covers every loan that sits outside the standard government-defined underwriting box, including bank statement, asset-based, DSCR, and profit-and-loss programs. Non-QM is not subprime. It is a category for borrowers whose income is real but does not document itself in the conventional way.
Read moreBridge
A bridge loan lets you tap the equity in your current home to fund the down payment on the next one, so you can make an offer that is not contingent on selling first. You carry it short term, then pay it off when your existing home closes.
Read more
This is not a commitment to lend. All loans are subject to credit approval, income and property verification. Rates, terms, and programs are subject to change without notice. Nook Lending is powered by MPA Home Loans. Jennifer Ferrara, Loan Officer, NMLS #2781982. MPA Home Loans NMLS #2778343. Equal Housing Opportunity.
Reviewed by Jennifer Ferrara, NMLS #2781982 · Last updated 2026-08-11
Down payment help
Down payment assistance in Dripping Springs
Dripping Springs does not currently run its own city-funded down payment assistance program. TSAHC's statewide programs and BCL of Texas's NeighborhoodLIFT, which covers Hays County and offers up to $7,500 in forgivable assistance, both apply here. I check what you qualify for on the full Texas Grants page.
See every Texas grant and down payment program I work withQuestions
Buying in Dripping Springs
Property taxes in Dripping Springs run about 1.6877% combined: Hays County at 0.3999%, the City of Dripping Springs at 0.2268%, the lowest city rate among the six cities I work in, and Dripping Springs ISD at 1.0610%, the same district that covers Driftwood. On the higher price points typical out here, that adds up to a real monthly number, and I run it against your specific address before you write an offer.
A few of my local favorites
Looking in Dripping Springs?
Tell me the price range and what you are working with. I will show you the real monthly number and the cash you would need, before you fill out anything.