Mortgage broker in Dripping Springs, TX

Property taxes in Dripping Springs run about 1.73% combined: Hays County at 0.41%, the City of Dripping Springs at 0.22%, the lowest city rate among the seven cities I work in that levy one, and Dripping Springs ISD at 1.10%, 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.

If you search for a mortgage lender in Dripping Springs, you are really looking for someone to get your loan approved at a fair price. I work as a licensed mortgage broker (Jennifer Ferrara, NMLS #2781982, with MPA Home Loans), which means I compare more than 40 wholesale lenders on your exact numbers instead of showing you one bank's menu. You still get one point of contact from first call to closing.

Dripping Springs ISD, the same district that covers Driftwood. At 1.10%, it is the largest single piece of the tax bill, and on the higher price points typical here, that adds up to a real monthly number worth planning around.

A MUD, a municipal utility district, is a separate taxing entity that funds the water, sewer, and drainage infrastructure for a development, and it shows up as its own line on your tax bill on top of the county and school district rates above. Headwaters, Caliterra, and other newer developments out here commonly sit inside a MUD, and the rate is set by that specific district’s own budget, not one number for all of Dripping Springs. I pull the actual MUD rate for the address you are looking at, since it can move your real payment more than people expect.

All three come up regularly out here, and each affects your loan differently. A well and septic system needs a water quality test and a septic inspection on an FHA loan, no exceptions, plus HUD’s distance rules, generally 100 feet between the well and the septic drain field and 50 feet between the well and the tank. Conventional loans are more lenient and usually only require it if the appraiser flags a concern. An agricultural exemption is a separate issue: if the property is converting out of ag valuation, Texas charges a rollback tax covering the prior three years of that tax break, current law since 2021, and it needs to be resolved before closing, since an unresolved rollback shows up as a lien and can hold up title insurance. Worth raising in the contract negotiation, not after.

It is the community I get the most buyers from, with builders including David Weekley Homes and Toll Brothers. Caliterra, with David Weekley Homes, Drees Custom Homes, and Scott Felder Homes among its builders, and Belterra are the other two that come up most. I run builder financing here against comparable resale Hill Country properties, so you are comparing the real monthly cost, not just the sticker price.

Redfin puts Dripping Springs’s median sale price at about $480,000 over the three months to September 2026, up 2.1% year over year. That citywide number covers a wide range, from in town homes to larger properties, and a jumbo loan applies once a purchase passes the $832,750 conforming limit.

It genuinely has the largest concentration of wineries, breweries, and distilleries anywhere in Texas, which is a big part of why it is also trademarked the Wedding Capital of Texas. Jester King Brewery out on Fitzhugh Road is one of the better known stops if you want to see what the area is actually like before you buy.