Texas Home Mortgage Loans

Apply online for an Amplify Credit Union home mortgage loan. Use our calculator to compare rates and future payments.

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$7800 / year

$7800 / year

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This calculator is for illustrative purposes only and based on information provided by the user. Accuracy is not guaranteed. All loans are subject to approval. Your actual rate, terms and fees may vary. Your Monthly Payment calculations reflect only principal and interest, and amounts for taxes and insurance, if applicable, may increase your actual payment.

The Stages of Homebuying

For first-time homebuyers, the homebuying process can be complicated and more than a little intimidating. That’s why we’ve put together this helpful guide to the real estate purchase process. Click the Learn More button below to see more first-time homebuying resources.

Meet our mortgage loan originators

Alex Cardona

Mortgage Loan Originator
NMLS #207769

Mortgage Loan Originator - Alex Cardona

A mortgage loan officer since 2001, Alex Cardona helps people accomplish their financial goals through patience, understanding, and maintaining a thorough knowledge of lending programs, guidelines, and regulatory requirements. He specializes in helping you get into the best possible position to purchase a new home.

Whether you’re a first-time homebuyer or an experienced buyer, Cardona can help you navigate all the details associated with purchasing and financing a new home. Cardona’s aim is to provide you with outstanding member service by ensuring your entire mortgage loan experience is smooth and that you are kept informed throughout the process. He is also experienced in refinancing Texas homes.

Cardona was named a 2023 Top Austin-Area Residential Mortgage Producer by the Austin Business Journal and a 2023 Top Mortgage Professional by Austin Monthly.

Julie Davis

Mortgage Loan Originator
NMLS #2067933

Julie Davis headshot

Julie Davis has dedicated her career to helping families achieve the American dream of owning their own homes. In the years before she became a full-time lender, Davis worked as a licensed real estate agent in Central Texas. Collaborating with homebuyers and mortgage companies taught her that a trusted loan officer can make or break any homebuying experience.

Now Davis works with Texas families to make their dreams happen. At Amplify, she specializes in working with first-time homebuyers, and loves giving folks the information and support they need to make a great mortgage happen.

Shelton Green

Mortgage Loan Originator
NMLS #1374460

Shelton Green believes that the biggest difference between a good loan officer and a great loan officer is information. It is important to stay on top of industry trends to ensure that buyers are making the right choice for their budgets. That’s why Green makes it a priority to provide his clients with the best possible insights into the market and their loan options.

As a former journalist, Green also prides himself on his ability to ask the right questions. He offers his clients a trusted guide who can quash homebuying anxiety and follow up with clear, concise, and consistent communication.

Brandon Rains

Mortgage Loan Originator
NMLS #1262579

Headshot Brandon Rains

Since 2014, Brandon Rains has worked to help families achieve their dreams of homeownership. Rains has developed a comprehensive understanding of real estate and home equity loans and always goes the extra mile to ensure his clients feel prepared for their purchase. He also empowers his homebuyers to make informed decisions with hands-on education about loan programs and products.

Thanks to his background in builder loans, Rains is particularly prepared to help buyers navigate the challenges presented by new construction.

Rains was named a 2023 Top Austin-Area Residential Mortgage Producer by the Austin Business Journal and a 2023 Top Mortgage Professional by Austin Monthly.

Terra Vo

Mortgage Loan Originator
NMLS #398851

In her decade-plus as a loan officer, Terra Vo has learned that knowledge and punctuality are the best skills in a loan officer’s toolkit. She believes in the importance of earning the trust of your clients by showing up prepared and being as responsive as possible during the biggest purchase of their lives.

As more people follow nontraditional career paths, Vo has also become a trusted resource for investors or independent contractors. Her work often specializes in the lending requirements for self-employed individuals and families, putting the needs of her clients first.

Jaime Alejandro Knott

Mortgage Loan Originator
NMLS #785905

Amplify Credit Union Mortgage Loan Officer Jaime Alejandro Knott

Jaime Alejandro Knott understands the value of “why.” There is a story behind every decision to buy a home, and unpacking that personal decision — as well as tackling challenges throughout the process — is what inspires people to work with Jaime time and time again.

With almost 20 years of real estate experience, Jaime also knows the value of setting the right expectations for borrowers. That’s why he prioritizes proactive communication with his clients, good or bad, and ensures that they will never miss a milestone on their homebuying journey.

Todd Stiles

Mortgage Loan Originator
NMLS #1402536

Headshot Todd Stiles

Todd Stiles began his career as a mortgage loan officer in 2001. Since then, he has helped the people of Austin achieve their dreams of home ownership by providing borrower education, a keen eye for detail, and a thorough knowledge of the loan types, underwriting requirements, and borrower options available to them.

Stiles’s background as both a loan officer and a mortgage broker has taught him that there are no one-size-fits-all approaches to the mortgage process. As a result, he makes education a priority with each of his clients, walking them through the loan types and options available to them until they feel ready to make an informed decision.

Stiles was named a 2023 Top Austin-Area Residential Mortgage Producer by the Austin Business Journal.

Brandon Ullrich

Mortgage Loan Originator
NMLS # 828706

Brandon Ullrich

Brandon Ullrich understands the importance of listening. No two homebuyer journeys are alike, and Brandon knows that every loan starts with a collaborative understanding of a buyer’s finances. This is just as true for repeat homebuyers as it is for first-time borrowers.

For more than a decade, Brandon has earned a reputation with his clients for being a knowledgeable and reliable communicator. If you are feeling overwhelmed by all the moving parts of the borrowing process, Brandon is here to help and unpack everything from credit scores to loan programs.

Terry Council

Director, Retail Production Manager
NMLS #836476

Headshot of Terry Council

Since beginning his career as a loan officer in 2004, Terry Council has seen both the best and the worst that the Texas real estate market has to offer. That is why he offers his clients an education-first approach to real estate lending. He works tirelessly to ensure his clients are comfortable with their homebuying process.

Whether you are a first-time homebuyer or have just outgrown your current home, Council is here to help you create an individual plan that will help you meet your mortgage goals.

Council was named a 2023 Top Mortgage Professional by Austin Monthly.

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Meet our community lenders

Every homeownership journey is different. If you are having trouble navigating the real estate market or would benefit from real estate-focused credit counseling from the Amplify team, schedule an appointment with a community lender.

Juston Hargrove

Mortgage Loan Originator
NMLS# 890417

Juston Hargrove

Juston Hargrove began his career in mortgage lending because he was drawn to helping borrowers navigate the different mortgage products available to them. In his current role as a community loan originator, he has the distinct honor of working with historically underserved communities.

Hargrove’s passion is helping the people in those communities live the American dream of homeownership and begin the process of wealth building through equity.

Alex Rodriguez

Mortgage Loan Originator
NMLS# 1658924

Alex Rodriguez

A problem-solver by nature, Alex Rodriguez loves working with borrowers to find the right real estate products.  Born and raised in a bilingual-bicultural family in Chicago, Rodriguez witnessed the economic freedom that many families experienced on their path to homeownership.

In his decade with Amplify, Rodriguez witnessed the homebuying journey as a loan officer, a loan servicing agent, and an account resolutions specialist. He believes every good loan officer should approach their borrowers with empathy and understanding.

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The interest rate displayed is for informational purposes only and is subject to change without notice. APR is the Annual Percentage Rate based on excellent credit (740+). Your actual rate may vary based on your factors.

The rates provided assume the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in zip code 78732. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 740.

A mortgage of $200,000 for 30 years at 4.71% APR requires a P&I payment of $1,038 per month. Taxes and insurance for escrow payment are not included; your actual payment obligation will be higher. Assumes closing costs paid out of pocket and tax and insurance escrow account created.