# Hill Country Mortgages

> A licensed Texas mortgage broker serving all 254 counties from the Texas Hill Country, offering purchase, refinance, and specialty home loans with a single licensed loan officer as the direct point of contact.

Hill Country Mortgages, LLC is a DBA of GoRascal (Company NMLS #2072896). All loans are originated by Jonathan Sarver, Licensed Mortgage Loan Officer, NMLS #993872, licensed by the Texas Department of Savings and Mortgage Lending. The brokerage is based in Lakeway, TX (Austin metro) and lends statewide across Texas. As a broker it shops multiple lenders rather than offering a single bank's products. Contact: (512) 487-4503, jonathan@hillcountrymortgages.com.

## Loan programs
- [FHA Loans](https://hillcountrymortgages.com/fha-loans/): FHA requirements, 3.5% down, 2026 Texas county loan limits, and mortgage insurance explained.
- [VA Loans](https://hillcountrymortgages.com/va-loans/): $0-down financing for eligible veterans, service members, and surviving spouses in Texas.
- [Conventional Loans](https://hillcountrymortgages.com/conventional-loans/): Conforming financing and 2026 Texas loan limits for buyers with solid credit.
- [Jumbo Loans](https://hillcountrymortgages.com/jumbo-loans/): Financing above conforming limits for higher-value Texas homes.
- [Refinance](https://hillcountrymortgages.com/refinance/): Rate-and-term and cash-out refinancing options.
- [Reverse Mortgage (HECM)](https://hillcountrymortgages.com/reverse-mortgage/): FHA-insured reverse mortgages for Texas homeowners 62+, with obligations and counseling explained.
- [HELOC](https://hillcountrymortgages.com/heloc/): Home equity lines under Texas Section 50(a)(6) constitutional rules.
- [Bank Statement Loans](https://hillcountrymortgages.com/bank-statement-loans/): Qualify on 12-24 months of deposits instead of tax returns; built for the self-employed.
- [DSCR Loans](https://hillcountrymortgages.com/dscr-loans/): Investor financing qualified on rental income, not personal income.
- [Fix & Flip Loans](https://hillcountrymortgages.com/fix-and-flip-loans/): Short-term purchase-plus-rehab financing sized on after-repair value.

## Texas mortgage guides
- [Texas Home Equity 50(a)(6)](https://hillcountrymortgages.com/guides/texas-home-equity-50a6/): How Texas's constitutional home equity law shapes cash-out and HELOC lending.
- [Texas Property Taxes, MUD & PID](https://hillcountrymortgages.com/guides/texas-property-taxes-mud-pid/): How Texas property taxes and special districts affect affordability.
- [2026 Texas Loan Limits](https://hillcountrymortgages.com/guides/texas-loan-limits-2026/): Conforming and FHA county loan limits for Texas in 2026.
- [Texas Down Payment Assistance](https://hillcountrymortgages.com/guides/texas-down-payment-assistance/): TDHCA, TSAHC, and other Texas down payment assistance programs.
- [Self-Employed Mortgages in Texas](https://hillcountrymortgages.com/guides/self-employed-mortgage-texas/): How self-employed borrowers qualify, including bank statement loans.

## Tools
- [Mortgage Payment Calculator](https://hillcountrymortgages.com/tools/mortgage-payment-calculator/): Estimate principal, interest, taxes, and insurance using realistic Texas tax rates.
- [Affordability Calculator](https://hillcountrymortgages.com/tools/affordability-calculator/): Estimate the price range that fits an income and budget.
- [Refinance Calculator](https://hillcountrymortgages.com/tools/refinance-calculator/): Find the break-even point on a refinance.

## Company
- [About](https://hillcountrymortgages.com/about/): About Jonathan Sarver and Hill Country Mortgages.
- [Contact](https://hillcountrymortgages.com/contact/): Phone, email, and how to reach a licensed Texas loan officer directly.

## Optional
- [Guides Index](https://hillcountrymortgages.com/guides/): The full library of Texas-specific mortgage guides.