Conventional
Flexible financing for primary homes, second homes, and investment properties.
Texas mortgage guidance without the runaround
Buy smart.
Borrow better.
Clear answers, creative loan options, and a real game plan for buying, building, refinancing, or investing in Texas real estate.
Personalized options Direct communication Local Texas expertise
Senior Loan OfficerAustin Elder
Your loan. Your strategy.Built around you.
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Start here
What do you want to do?
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More options. Better fit.
A loan strategy for more than one kind of borrower.
From straightforward purchases to files that need some actual problem-solving, I’ll help you find the lane that makes sense.
VA
Military-focused options with powerful benefits for eligible veterans and service members.
FHA & USDA
Low-down-payment paths designed to make homeownership more accessible.
Construction
Financing for custom builds, land purchases, and construction-to-permanent projects.
Investor & DSCR
Rental-property financing built around the investment—not a traditional income box.
Physician & Specialty
Solutions for doctors, self-employed buyers, bank-statement borrowers, and unique scenarios.
Loan availability and eligibility vary. I’ll compare the options that fit your complete scenario.
Mortgage knowledge, minus the jargon
Learn before you sign.
I break down credit, down payments, DTI, loan programs, underwriting curveballs, and what buyers should actually ask before making a move.
Visit @AELends on YouTubeAE Lends@AELends
CreditDown paymentDTIUnderwritingLoan programs
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Words from the closing table
People remember how the process felt.
“Austin went out of his way to find the best fit for our family. He took the time to answer any question I had and made things so easy and smooth for us!”
“The speed at which you got this done was amazing. I really appreciate your help and it was very nice working with you.”
“Thank you for everything you did throughout my family’s home-buying process. My family couldn’t have asked for a better team.”
Meet your mortgage broker
I grew up around real estate. Now I help families navigate the financing side.
I’m a third-generation real estate professional and Senior Loan Officer with Harbor Financial Mortgage. My approach is simple: explain the real options, answer the uncomfortable questions, and keep the process moving.
Whether your file is clean and simple or needs a more creative strategy, you’ll get direct communication and a plan built around your actual goals—not a one-size-fits-all script.
Your next move starts with the numbers