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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.

Rates

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

Consultation

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

Apply

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

Realtor®

512-560-5183

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

NMLS#265697

512-773-6729

Austen Smith, a CMPS-certified Home Loan Consultant, has 19 years of lending experience. Dedicated to empowering clients, he prioritizes education to help them navigate mortgages confidently. Leading with Education for clients and referral partners, Austen has served on the Women's Council of Realtors board and founded Impact Leadership Group, offering complimentary education to industry professionals. His goal is to rank among Texas's top 1% of mortgage professionals, driven by a commitment to client satisfaction and continuous learning.

Your Team



Loan Application Inquiry

Complete the fields below to get started with your loan application.

This Week's Rate

Rates

Assumptions:

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.

Disclosure

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
www.nmlsconsumeraccess.org

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Contact Us

3201 Menchaca Rd Austin, TX 78704
Phone: 512-773-6729
Austen@AustenSmith.com

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