I offer the top Austin mortgage products available on the market today. My dedicated team and I are ready to assist you each and every step of the way. I have worn many hats in the mortgage industry: processor, underwriter, branch manager, wholesale account executive, and residential mortgage consultant, and with this unique and wide range of experience, I can offer you a 360 view of the home buying process. My mission is to guide you through the entire process in order for you to feel confident making the right choices based on your financial strategy.

Happy Clients
Mortages & Loans Managed
24 / 7
Workday Hours
Cups Of Coffee

Great Rates

Some of our most popular Austin home loan product include: fixed rate mortgages with 30, 20, 15 & 10 year terms available, along with adjustable rate loans: 10/1, 7/1, 5/1, 3/1 to name a few.

Jumbo Loans

Our Jumbo Refinance Advantage loan product offers significant benefits, including financing up to $2 million dollars, NO points and hidden fees, fixed and adjustable rates, and a 90% Loan-to-Value and Cash Out options available on second homes.

Start to Finish Experience

I have been a processor, underwriter, branch manager, and wholesale account executive and a residential mortgage consultant so I personally know the full gamma of the mortgage field; every single possible detail involved — ensuring you the best expertise & service.

Portfolio Loans

We offer Portfolio Loans that include 12 months out of Bankruptcy and Foreclosure options, and up to 55% Debt-to-Income Ratios reaching up to $1.5 million dollars.

Texas Vet Loans

Through this program, eligible Veterans living in Texas have an opportunity to purchase a home with an unbeatable low interest rate and little or no money down.

Unique Guarantee

Our Extended Rate locks up to 12 months, and we offer a Quick Closing – 21 day – close GUARANTEE.


I am consistently posting new information, tips, and advice on my personal blog page on the New Penn Financial website, I definitely recommend checking out the latest articles for very valuable and useful information.

Getting to the Point

When you speak to your loan officer about available interest rates, whether you’re just curious or you have an active loan application and are soon to close, you’ll be given a range of rates from which to choose. Some with points, some without. But even though you’ve heard of the term “points,” do you know why they even exist? To provide you with more choices while at the same time offering a potential income tax deduction…

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Be Prepared: Be Preapproved

No matter where you’re thinking about buying here in Central Texas no doubt that homes are moving at a rapid clip. The most recent “Days on Market” data, or how long it takes to sell a home shows that it takes just 43 days from list to sale, 19 fewer days than the same time last year. And inventory is currently at 2.8, which is the estimated number of months it would take to sell every single home currently listed for sale…

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Austin Jumbo Loans

Our Jumbo Refinance Advantage loan product offers significant benefits, including financing up to $2 million, no points and hidden fees, fixed and adjustable rates, refinances and new home loans, closings in less than 30 days, and of course for our special clients we have interest-only & no closing cost options available! Eligible properties include primary residences and second homes…

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Tera wins Texas Monthly Award 4 Consecutive Years

A huge thank you to all of my past clients for their loyalty and continued confidence in working with me...I have the honor of being selected for the 3rd year in a row by my clients as a "Best in Client Satisfaction -- Five Star Mortgage Professional for 2015 -- 4 consecutive years". I truly could not have made this level of recognition in paper without your support! So I am forever grateful, and hope to continue to serve you, my valued clients, in the very best way I can...

Real Estate Investor Loans

Today's real estate market provides investors with a unique opportunity to buy a property at an attractive price and enjoy substantial returns on the investment. Low-priced distressed or investor-owned properties provide even greater bargains, and an ample supply of these homes has encouraged many investors to purchase and rehabilitate foreclosures around the country. However, the market is not without its difficulties, particularly when it comes to securing real estate investor loans...

Foreign National Loans

The U.S. market is increasingly attractive to non-citizen buyers. Throughout history, America's shores have welcomed individuals from around the world, many of whom were looking to start anew in an unfamiliar land. That continues right up until present day, as people continue to strive for the opportunity America promises. In a 2011 study, the National Association of Realtors showed the increasing popularity of American real estate. According to the report, $1.07 trillion in existing home sales were recorded...