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Mortgage & Lending
Jennifer Ferrara is both a luxury REALTOR® and a licensed loan officer in Texas — which means your home search and your financing are guided by the same person, with the same standards, from the first conversation to the closing table.
A Note from Jennifer
"I'm a licensed loan officer in Texas in addition to being a REALTOR®. That second license isn't a marketing line — it's how I make sure my buyers never have to translate between an agent and a lender. We model the numbers together, structure the offer around what your file can actually support, and keep underwriting moving quietly in the background while you focus on the home."
NMLS information and full licensing details available on request.
Know Your Buying Power
A quick estimate based on income, monthly debts, and cash to close — modeled with Hill Country property tax and insurance assumptions. Real numbers come from a full pre-approval; this is the starting frame.
Mortgage Calculator
Principal, interest, Texas property tax, homeowners insurance, and HOA — modeled on a specific home price and down payment.
Buyer Financing Guidance
For most of our Austin and Hill Country buyers, the conversation starts with conventional or jumbo financing — competitive rates, flexible down payments, and the cleanest path through underwriting.
For self-employed buyers and clients whose tax returns don't tell the whole story, alternative-doc programs underwrite to deposits or assets instead of W-2s.
Acreage, ag-exempt properties, and homes with outbuildings need a lender who actually closes them. We route those files to the right desk from day one.
If you're buying before you sell, we model bridge financing or cross-collateralization so you can write a non-contingent offer with confidence.
One-time-close construction, lot loans, and renovation financing for the buyer who's customizing instead of compromising.
For competitive listings, we structure financed offers that compete with cash — short option periods, appraisal-gap language, and a lender ready to deliver on time.
One Team, Two Licenses
01
We design the search around what you can actually buy — and write offers structured around what your file can actually close.
02
When the agent and lender share notes in real time, conditions get resolved in days instead of weeks. No surprises three days before closing.
03
Listing agents take an offer more seriously when the buyer's REALTOR® can speak directly to the loan file. That edge wins homes.
Start Your Pre-Approval
A short, private conversation with Jennifer. We'll cover income, assets, the loan program that fits, and the price range you can comfortably compete in across Driftwood, Dripping Springs, Bee Cave, Westlake, and the surrounding Hill Country.