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Welcome to Heritage Oaks Lending, where we help you achieve your goal of home ownership!

Heritage Oaks Lending is a partnership between Barton Creek Lending Group and James Keller Realty Team of Amazing Realty.

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Welcome to

Heritage Oaks Lending!

We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and, best of all, quality service and individual attention.

Today's technology is providing a more productive environment to work in. For example, you can submit an online, secure loan application through our website. You may also evaluate your different financing options using our interactive calculators and reviewing various mortgage scenarios.

Find the Right Mortgage Option for You!

Tell us what your goal are

Loan Calculator

Use our mortgage calculator to estimate your monthly payments for a new home purchase or refinance and plan your budget effectively today.


Check out our latest purchase mortgage rates today to find the best options for your new home and start planning your future.


Schedule a consultation today to discuss your new home purchase or refinance options and let our experts guide you through the process.


Apply for a home loan today, whether you want to purchase a new home or refinance your current one, and get pre-qualified quickly.

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Loan Calculator

Loan Programs

Get to Know Us

Your Real Estate Team

James Keller



James is an experienced real estate agent, general contractor, house flipper, and former licensed home inspector. This unique background allows him to offer more than just buying and selling services. "I have remodeled 25 homes in the last 4 years, so I know the costs to make a home perfect. As a former home inspector, I can quickly spot major issues like roof, foundation, and HVAC problems."

*Top Agent at Amazing Realty 2023
*Top Agent at Amazing Realty 2023

Your Home Loan Team

Austen Smith



Your Team

Loan Application Portal

Click the link below to get started with your loan application.

This Week's Rate



All loans have a 1% discount fee. The discount fee is a percentage of the loan amount. 

Purchase Price $500,000 | Jumbo Purchase Price $1.5M

Primary Occupancy

Credit Sores: Conventional & JUMBO - 760 | FHA:  720

LTV: Conventional & JUMBO - 80% | FHA - 96.5% 

30-Day Lock - Loans are Fixed. | Rates are Subject to change without notice.

Pricing was run on the timestamp listed above.


Please review and sign the Affiliated Business Arrangement (AfBA) in the link below, acknowledging that you have received this document regarding the partnership with Barton Creek Lending Group.

About Us

We've been helping customers afford the home of their dreams for many years, and we love what we do.

Company NMLS: 264320

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Contact Us

3201 Menchaca Rd Austin, TX 78704
Phone: 512-773-6729

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