Your next mortgage should fit the way you want to live. We help Georgetown buyers and homeowners understand their purchase and refinance options, whether they are buying a first home, moving closer to family, downsizing, or planning around retirement.
Work directly with Chad Holte, NMLS #198303, a Certified Mortgage Advisor and Managing Broker of Dylken Home Loans, for straightforward mortgage guidance backed by 25+ years of experience.
Explore current rates for a Georgetown home purchase or refinance. Adjust your home price or value, down payment or equity, and loan type to see how financing could fit your budget.
Rates updated throughout each business day.
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Georgetown city · All home types · Three months ending September 2026
Market snapshot from Redfin’s Georgetown housing market report. Reviewed October 28, 2026.
A first purchase, a move across town, and a purchase funded by years of home equity can call for different approaches. Compare the payment and the cash remaining afterward before deciding how much to put into the home.
Putting more down reduces the amount borrowed and may change mortgage insurance and loan pricing. Compare the actual payment at different contribution levels, then consider whether the savings justify using more of your available cash.
You may prefer to retain savings for moving expenses, household needs, or unexpected costs. A lender’s approval is one part of the decision; the payment should also leave you comfortable with the funds you will have after closing.
Start with expected sale proceeds after mortgage payoffs and selling costs, rather than total equity alone. Confirm when those funds will be available and whether your next purchase depends on the sale closing first.
Retirement does not automatically mean paying cash or using a specialty loan. Standard financing may be available when eligible income and assets meet the selected program’s requirements.
Eligible documented benefits can support qualification without a current paycheck. Provide benefit or award statements and any requested evidence of receipt. If benefits will begin around the purchase, share the start date and payment details early.
Provide current account statements and records showing the amount and pattern of distributions. The review can include the remaining balance, access to the funds, and whether the income is expected to continue. A planned withdrawal is not automatically qualifying income.
Some conventional programs allow certain retirement assets to support an income calculation. Account ownership, access, loan terms, and funds needed for closing affect eligibility. Alternative financing may offer other methods when standard requirements are not met.
If your employment or income will change around the move, review the timing before choosing a purchase budget. Share expected changes so qualification and your personal plan are based on the income you expect to have.
Compare the cost of the home you own with the cost of the home you are considering. A smaller purchase can still come with a different interest rate, property tax bill, insurance premium, or association expense.
List the mortgage payment, property taxes, insurance, and association expenses you pay today.
Subtract mortgage payoffs and estimated selling costs from a realistic sale price.
Compare the new loan payment and address specific ownership costs, including any association charges.
Allow for closing costs, moving expenses, and the cash you want to retain after the purchase.
Coordinating a sale and purchase matters whether the next home is larger or smaller. Review the timing and financing choices in our home transition guide: Plan Your Home Sale and Next Purchase.
A Georgetown purchase should be budgeted using your expected ownership costs, rather than assuming the seller’s tax bill will become yours.
Review the property records and apply for exemptions for which you qualify. The seller’s exemptions and valuation limits may not describe your situation. Use an estimate appropriate to the purchase instead of simply copying the current escrow amount.
Eligible homeowners may transfer a percentage of their school tax ceiling to a new homestead, rather than carrying the same dollar tax bill to the next home. Confirm the applicable benefits, forms, and any transfer certificate with Williamson Central Appraisal District and the tax office.
You do not have to choose a program before starting a conversation. Your eligibility, funds, property, and income documentation help determine which options to explore.
Compare the down payment, mortgage insurance, and qualification requirements. Eligible first time buyers may qualify for conventional financing with 3% down, while eligible FHA buyers may purchase with 3.5% down. Review both the cash needed and total payment.
Eligible veterans and service members may qualify with no down payment and no monthly mortgage insurance. Review entitlement, any funding fee, and available cash for purchase costs. Retirement does not by itself prevent use of an earned VA benefit.
Business ownership does not always require specialty financing. Review standard qualification using tax returns and current business records first. Bank statement or asset based programs may provide another approach when traditional documentation requirements are not met.
Jumbo financing may be appropriate when the loan exceeds the applicable conforming limit. Review down payment choices, income documentation, and potential reserve requirements. A higher purchase price alone does not determine whether the loan is jumbo.
For Georgetown homeowners, the right refinance depends on the goal and how long you expect to keep the home. Review the costs and tradeoffs before replacing the mortgage you already have.
Compare the new balance, rate, closing costs, and payoff date. A shorter term may increase the payment; extending repayment may lower it while increasing total interest. Choose a structure that works with your expected income and plans.
Before refinancing to remove conventional PMI, ask the servicer whether cancellation is available on the current loan. For FHA financing, compare whether a different loan would improve the overall cost, including its interest rate and closing expenses.
Compare the cash available with the payment on the full new mortgage balance. Consider how the additional debt fits your household budget, particularly if income will change. Texas cash out requirements and your property affect eligibility.
What real clients are saying
99 Google & Zillow Reviews
Chad did a great job helping navigate through options. The fastest close we’ve ever had.
This is our second time working with CHAD, his service is excellent. His attention to detail and caring for his customer is outstanding.
I’ve been working with Chad for over 15 years on both new purchases and multiple refinances, and in all kinds of market conditions. I confidently refer friends and family to Chad at every opportunity. It’s fantastic to know that you’re always going to end up with extremely competitive rates, and the best possible service from beginning to end. Amazing work Chad and team!
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Yes, retirement does not by itself prevent mortgage qualification. Eligible Social Security, pension, retirement distributions, and other documented income may be used under the selected program’s rules. We review the income, debts, credit, available funds, and property together. You do not need a current paycheck if other eligible income supports the loan.
No. You must meet the selected loan’s down payment and other requirements, but you may be able to retain part of the proceeds. Compare the payment, mortgage insurance, closing costs, and savings remaining at different down payment levels. The amount you can contribute and the amount you want to contribute are separate decisions.
Possibly. Some conventional programs allow certain eligible retirement assets to be converted into a qualifying income calculation without requiring large ongoing withdrawals. Account type, access to funds, ownership, loan purpose, and down payment matter. Funds used for closing cannot simply be counted again as available income producing assets. Other financing methods may be available when standard requirements are not met.
Potentially, if you have another acceptable source of funds and qualify with the obligations the lender must count. Savings or approved financing may help bridge the timing, but expected sale proceeds are not available until the sale closes. Review both closing dates, the source of your down payment, and any overlapping housing payments before committing.
You may qualify for benefits on the new homestead, but they are not simply a transfer of your current dollar tax bill. Eligible homeowners may transfer a percentage of their school tax ceiling, subject to the applicable rules. Other taxing units can have different provisions. Confirm eligibility, applications, and any tax ceiling transfer certificate with Williamson Central Appraisal District and the appropriate tax office.
Review the plan before your income changes, but do not assume closing before retirement means your salary can be used regardless of what happens next. Tell the lender about planned retirement and any expected reduction in income. Qualification must reflect the applicable income requirements and known changes, so the timing of benefits and distributions should be reviewed early.
Local guides and answers for buying and owning a home in Georgetown.
Statewide guides that apply across every Texas market, Georgetown included.
Tell us whether you are buying or refinancing, what you want to accomplish, and the budget that feels comfortable. We will help you understand your options and what to prepare next.