Licensed Local Mortgage Broker

Helping You Find the Right Mortgage With Confidence

Personalized home loan guidance from a broker who works for you — not the bank.

Hi, I'm Eric. I help first-time buyers, homeowners, and investors compare loan options, lock in competitive rates, and move from pre-approval to closing without the confusion. Let's find the loan that fits your life and your budget.

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Since 1981In real estate & lending
20+Investors & loan products
10 daysClear to close possible
● Free • No-obligation

Your Pre-Approval Snapshot

A quick look at what working together can unlock.

Loan options comparedMultiple lenders
Personalized rate reviewIncluded
First-time buyer guidanceYes
Cost to you$0 consultation
Start My Pre-Approval

Competitive Rates

I shop multiple lenders to find pricing that works in your favor.

Personalized Guidance

Real advice tailored to your goals — not a one-size-fits-all script.

Fast Approvals

Quick, organized processing so you can make offers with confidence.

First-Time Buyer Help

Plain-English support and programs built for buying your first home.

Eric Paulson, licensed mortgage broker in Austin, Texas
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Meet Your Broker

About Eric Paulson

I've been in the real estate business since 1981, and I bring more than 40 years of experience to help you achieve your goals and dreams.

I started as an agent in 1981, and five years later I earned my real estate broker's license and began originating residential mortgage loans at the same time. I continued doing both for over 20 years. I know that every client brings their own specific needs, and it's my goal to meet those needs with a wide variety of mortgage products and the most personal service available.

Obtaining a mortgage can be stressful, so I'll explain the whole process up front and keep you completely informed with constant, personalized communication. Using modern technology, I can have you approved and clear to close in as little as 10 business days.

As a mortgage broker, I have access to more than 20 investors and a wide range of loan products to fit almost any situation — from less-than-perfect credit all the way to million-dollar loans. My goal is to give you options across different programs so you can make an informed decision about what's best for you. I especially enjoy working with first-time homebuyers, because it feels like I'm delivering the American Dream.

When I'm not working, I enjoy playing golf and ice skating. I teach kids here in Austin how to ice skate and play hockey — and believe me, I get way more out of it than they do.

  • ✓ 40+ years in real estate and mortgage lending since 1981
  • ✓ Access to 20+ investors and a wide range of loan products
  • ✓ Approved and clear to close in as little as 10 business days
  • ✓ Personal service for first-time buyers, homeowners, and investors
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From Eric's Desk

Eric's Blog

Tips, market updates, and the occasional story — posted by Eric himself.

Latest Update

Welcome — A Little About Why I Do This

Thanks for stopping by. I started this space to share what I'm seeing in the market and to answer the questions I hear most often from buyers and homeowners here in Austin. No jargon, no sales pitch — just straight talk from someone who's been doing this since 1981.

Whether you're a first-time buyer trying to figure out where to start, a homeowner wondering if it's the right time to refinance, or an investor looking at your next property, my goal is the same: give you clear options so you can make a confident decision. I'll use this blog to break down topics like credit, down payments, rates, and the loan process in plain English.

Check back regularly — I'll keep this updated. And if there's a question you'd like me to cover, reach out anytime. I'd genuinely love to hear from you.

— Eric PaulsonMortgage Broker · NMLS #2366709
What I Offer

Mortgage & Home Loan Services

Whatever your situation, there's a loan program designed for it. Here's how Eric can help.

Home Purchase Loans

Buying a home? Get matched with the right loan and a pre-approval that helps your offer stand out.

Refinance Loans

Lower your rate, reduce your payment, or change your loan term to fit where you are today.

First-Time Homebuyer Loans

Low-down-payment programs and step-by-step guidance built for buying your very first home.

FHA Loans

Flexible credit requirements and down payments as low as 3.5% — a popular path for many buyers.

VA Loans

Exclusive benefits for veterans and active-duty service members, including $0 down options.

Conventional Loans

Competitive financing for strong-credit borrowers, with flexible terms and down payment options.

Jumbo Loans

Financing for higher-priced and luxury homes that exceed conventional loan limits.

Investment Property Loans

Grow your portfolio with financing tailored for rentals and income-producing properties.

Debt Consolidation & Cash-Out Refinance

Tap your home's equity to consolidate debt, fund renovations, or reach other financial goals.

Simple & Transparent

Your Loan Process in 5 Steps

No surprises. Here's exactly what to expect when we work together.

1

Consultation

We talk through your goals, budget, and timeline — completely free.

2

Pre-Approval

Get pre-approved so you know your budget and shop with confidence.

3

Compare Loan Options

I present your best options side by side and explain the trade-offs.

4

Submit Application

We complete your application and I manage the paperwork for you.

5

Closing Day

Sign, get your keys, and celebrate. I'm with you to the finish.

Plan Your Budget

Mortgage Payment Calculator

Estimate your monthly payment. Adjust the numbers to see what fits your budget — then reach out for a precise, personalized quote.

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Estimated Monthly Payment
$2,420/mo
Principal & Interest$1,770
Property Taxes$525
Home Insurance$125
Loan Amount$280,000

⚠️ This is an estimate for planning only and does not include PMI, HOA dues, or all closing costs. Your actual rate and payment depend on credit, lender, and loan program. Contact Eric for an accurate, personalized quote.

Get My Real Rate
The Difference

Why Work With Eric

A mortgage is one of the biggest decisions you'll make. Here's why clients trust Eric to guide them.

Personalized Advice

Recommendations built around your goals, budget, and timeline.

Multiple Loan Options

As an independent broker, Eric compares many lenders — not just one.

Clear Communication

No jargon, no ghosting. You'll always know what's happening and why.

From Application to Closing

Eric manages the details and stays with you all the way to the keys.

Buyers, Owners & Investors

Whether it's your first home or your fifth property, Eric can help.

Honest & Trustworthy

Straightforward guidance with your best interest at the center.

Client Stories

What Clients Are Saying

Real words from real clients who trusted Eric with one of life's biggest decisions.

★★★★★

"I had the pleasure of working with Eric Paulson for the purchase of my second home. Having someone like him in your corner to bounce ideas off of and talk strategy really was critical to making the transaction happen and walking away feeling like I got a win. I highly recommend him — the entire process was smooth and he walked me through each step."

RC
Repeat ClientSecond-Home Purchase
★★★★★

"Eric was a steady hand from start to finish on my first home purchase. He took the time to explain every option, answered all of my questions without making me feel rushed, and had a strategy ready at each turn. I walked away feeling like I truly got a win, and the whole process was smooth."

FB
First-Time BuyerHome Purchase
★★★★★

"Working with Eric made refinancing simple. He was someone I could bounce ideas off of and talk strategy with, and he walked me through each step along the way. The process was smooth and stress-free, and I came away feeling confident in the decision. I highly recommend him."

RC
Refinance ClientRate & Term Refinance
Good Questions

Frequently Asked Questions

Answers to the questions buyers and homeowners ask most.

A mortgage broker is your personal guide to home financing. Instead of being tied to one bank, a broker compares loan programs from many lenders to find the option that best fits your situation — then handles the application, paperwork, and communication to keep your loan on track from start to closing.

Getting pre-approved is simple. You'll share some basic information about your income, assets, and credit, and Eric will review it to determine how much you can borrow. A pre-approval letter shows sellers you're a serious, qualified buyer — which can make your offer much stronger. Reach out through the contact form to get started.

It depends on the loan program. Some options, like FHA loans, allow lower credit scores, while conventional loans typically reward higher scores with better pricing. Even if your credit isn't perfect, there may be a path forward. Eric can review your situation and explain your realistic options — no judgment, just guidance.

Less than many people think. Some programs allow as little as 3% down, FHA loans start at 3.5%, and VA loans may require $0 down for eligible veterans. The right amount depends on your loan type and goals. Eric will help you weigh the trade-offs between a lower down payment and a lower monthly payment.

Most loans require recent pay stubs, W-2s or tax returns, bank statements, and a photo ID. Self-employed borrowers and investors may need a bit more. Don't worry about gathering everything perfectly up front — Eric will give you a clear checklist and help you through it.

Refinancing can make sense if you can lower your rate, reduce your monthly payment, shorten your term, or tap into equity for other goals. The key is making sure the savings outweigh the costs. Eric can run the numbers with you and tell you honestly whether refinancing is worth it right now.

Most purchase loans close in about 30 to 45 days, though it varies based on the loan type and how quickly documents come together. Eric works to keep your file moving and will give you a realistic timeline up front so there are no last-minute surprises.

Ready to Take the First Step?

Whether you're buying, refinancing, or just exploring your options, Eric is here to help — with no pressure and no obligation.

Get Pre-Approved Call (512) 299-4965
Let's Talk

Start Your Mortgage Review

Fill out the form and Eric will reach out, usually within one business day. It's free and there's no obligation.

Office3001 Polar Lane, Austin, TX 78613
HoursMon–Fri 9am–6pm · Evenings & weekends by appointment
📍 3001 Polar Lane, Austin, TX 78613 — Get Directions →
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