Home financing in Burnet County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is based inside the Burnet County line. We do not hide that — below are the doors that serve it from the rest of Texas.
Not this lane? Business FinancingPersonal Financing
No institution is headquartered inside the Burnet County line.
That is not a gap in this page, and it is not unusual: 108 of Texas's 254 counties hold a door in this lane, and Burnet County is not one of them. What does serve it is below, by name and by town.
The doors in Burnet County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 8
- DOORS HERE
- 0
- BASED HERE
- 108
- TX COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 49Kresidents of Burnet County
- Elsewhere in TX
- Harris County →50 doors — the biggest list of any other county in Texas
- Doors
- 8serving this county · none inside the line
- ITIN
- 3take an ITIN instead of a social security number
- State
- Texas →108 of 254 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
AltCap · Just Community, IncThey will open an application with an ITIN instead of a social security number. No citizenship test at the door.
Mission Asset Fund · Accion Opportunity Fund- AltCapSBA microlenderCommunity lending · Business capital
- Just Community, IncCommunity lending · Business capital
- LiftFund, Inc.SBA microlenderCommunity lending · Business capital
- PeopleFundSBA microlenderCommunity lending · Business capital
- Alliance for Multicultural Community ServicesBusiness capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
3 of the 8 accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Who actually approves home loans in Burnet County.
home-purchase applications that reached a decision were turned down: 167 of 922.
- Applications
- 1,153
- Loans made
- 710
- Median rate
- 6.3%
- Credit history39.5%
- Too much debt for the income36.5%
- The home's value or condition6%
- Lennar Mortgage1199511.9%4.5%
- United Shore Financial Services1097810%6.2%
- Rocket Mortgage1026225.3%6.4%
- DHI Mortgage906218.4%5%
- 21st Mortgage1253360.7%9.2%
- First United Bank and Trust533111.1%6.9%
- CMG Mortgage40305.9%6.2%
- Security State Bank & Trust392910.3%6.6%
- Cadence Bank39279.7%6.8%
- Pennymac Loan Services342115.4%5.9%
The 10 lenders that made the most home loans in Burnet County in 2025, buying and refinancing together. The mark on each bar is the whole county's denial rate (21.4%). Home loans only: first-lien, owner-occupied, one-to-four-unit homes, as reported under the federal HMDA law. Small lenders below its reporting threshold — many of the credit unions above — don't report, so their loans aren't counted here. Rates are for loans made. Source: HMDA 2025 public loan records (FFIEC).
Lake views and Austin's westward growth have pushed home prices up across Burnet County, leaving many of the people who build, clean, and serve the Highland Lakes struggling to buy where they work. This guide explains how home financing works here, who tends to qualify, what to gather, the honest state of local lending doors, the rural and state homebuyer help available, Texas protections for buyers, and the traps that target first-time owners.
It's a process, not a rejection.
Home financing includes a mortgage to buy, a loan for a manufactured home with or without land, money to repair or add on, refinancing, and for small investors, a loan on a rental property.
Burnet County's housing market is pulled in two directions.
Lakefront homes, second homes, and new subdivisions around Marble Falls and the lakes attract buyers from Austin and beyond.
Meanwhile, the workers who build those homes and run the restaurants and marinas often earn by the project or by the season. Outside town, manufactured homes on rural lots and ranch properties are common, and some families have bought through seller financing because a bank said no.
For local working families, the best paths usually run through rural loan programs, state down payment help, and careful attention to Texas's buyer protections.
Forget what the banks say.
Mortgage lenders look at income stability, credit history, monthly debts compared with income, and down payment.
In Burnet County:
- Workers with steady paychecks from schools, hospitals, the county, or larger employers usually have the simplest files
- Self-employed builders and tradespeople need two years of tax returns showing real income after expenses
- Seasonal hospitality, marina, and landscaping workers should show two years of income so lenders can average the seasons
- Buyers of manufactured homes need to know whether the land is included, since that changes the loan type
- Small investors eyeing short-term lake rentals should know lenders often treat that income cautiously
If you have an ITIN instead of a Social Security number, a mortgage is harder. Most government-backed loans require a Social Security number and lawful residency. A small number of lenders offer ITIN mortgages; ask directly.
If your credit is thin, building it for a few months first can save you real money.
Get your papers in order.
Start a folder:
- 01Government-issued photo ID
- 02Social Security number or ITIN
- 03Two years of federal tax returns with all schedules
- 04W-2s, or 1099s if self-employed
- 05Recent pay stubs
Or a year-to-date profit-and-loss statement if self-employed
- 06Two to three months of statements for every account
- 07A letter explaining any large non-paycheck deposits
- 08Proof of on-time rent if your credit file is thin
- 09A gift letter if family is helping with the down payment
- 10For manufactured homes
The statement of ownership and the land deed or lease
- 11If you bought under a contract for deed: the contract and your payment records
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
The doors worth knowing.
No institution in our directory is based inside the Burnet County line, and none lists a branch here. For home loans, that means looking beyond the county and leaning on public programs.
ALL 8 DOORS, BY NAME AND BY TOWN- 8
- SERVE IT
- 175
- ACROSS TX
Based in Kansas City, Missouri. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean. It lends SBA microloan money.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Austin, Texas. Treasury-certified as a CDFI, which is a mandate rather than a courtesy: reaching borrowers the mainstream market passes over is the job.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.Based in San Antonio, Texas. A CDFI — a mission lender, not a branch network. It is measured on who it reaches, which is why a thin file is not the end of the conversation. It lends SBA microloan money.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Austin, Texas. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean. It lends SBA microloan money.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.
Don't fall into these traps.
You can pay for years and lose everything after one missed payment. Get the contract reviewed first.
Compare outside options. Dealer financing can carry high rates.
Near the lakes and creeks, flood insurance can change what you can afford.
Do not borrow against your home for things you can finance another way.
You have the right to read every closing document.
A notario público is not a lawyer in the United States. Do not pay one to handle a home purchase.
Everything below is set by Texas, and it reads the same in every county in it. Who opens the door is not: 3 of the 8 above will take an ITIN instead of a social security number.
The rules where you are.
Once you own and live in your home, apply for the homestead exemption with the county appraisal district. It lowers your property taxes and comes with strong protection from most creditors.
Texas has strict rules on borrowing against your home, written into the state constitution. They limit how much you can take out and require waiting periods and specific disclosures before a home equity loan closes.
If you buy through a contract for deed, Texas law requires the seller to give you disclosures, record the contract, and send annual statements. If those steps were skipped, contact a legal aid office.
Manufactured homes in Texas carry a statement of ownership issued by the state housing department. Make sure it transfers cleanly before you pay.
If you buy near the lakes, ask about flood zones and flood insurance. Lenders will require it in some areas, and it affects your monthly cost.
The short version.
- 01
Burnet County's lake market is expensive, but working families have tools, especially rural loans and state down payment help.
- 02
No institution in our directory is based or branched inside the county, so start with USDA Rural Development, the state's homebuyer programs, and a free HUD-approved housing counselor. If you have an ITIN, build credit first through a lending circle and ask lenders directly about ITIN mortgages.
- 03
Check flood risk, know your Texas protections on contracts for deed, and file your homestead exemption once you move in.
- 04
Origen Capital is a directory, not a lender. We do not collect any information from you and we do not sell financial products. Use this guide as a starting point and work directly with the institutions when you are ready.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN BURNET COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN BURNET COUNTY →108TX COUNTIES WITH DOORSThe whole stateEvery county in Texas, in this same lane.175 institutions fund homes and repairs inside Texas county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.