Mortgage Broker for Austin ZIP 78704
78704 is one of Austin's most searched ZIP codes, covering South Austin neighborhoods such as Zilker, Bouldin Creek, South Lamar, and Travis Heights. The mortgage work is local: county limits, condo review, taxes, insurance, and program fit.
78704 mortgage planning starts with the fact that the ZIP sits in Travis County. For 2026, the Travis County FHA one-unit limit is $571,550 and the statewide conforming one-unit limit is $832,750. Those limits apply to loan amount, not purchase price, so the right program depends on the property, borrower profile, and final loan structure.
What matters on a 78704 file
South Austin properties can include single-family homes, condos, small multifamily, renovated older homes, and properties with unique condition notes. The program choice can shift based on appraisal issues, condo project review, insurance, tax escrow, and whether the loan amount stays inside conforming limits or moves into jumbo territory.
I run 78704 files through the same Austin lens I use citywide: confirm the county and loan limits, compare FHA, conventional, VA when eligible, jumbo when needed, and non-QM only when the standard paths do not fit the documentation.
78704 checkpoints
- County: 78704 is in Travis County, so Travis County loan-limit and property-tax assumptions apply.
- Condo review: Condo projects may need separate lender or agency review before the loan path is clear.
- Older homes: Renovation history, condition, insurance, and appraisal notes can affect the structure.
- Program fit: Conventional, FHA, VA with eligibility, jumbo, and investor paths should be compared against the actual address.
Buying in 78704?
Send me the address and your scenario. I will run the local loan-limit and program comparison before you make the financing call.