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Bastrop County's Trusted Mortgage Resource

Your Home Loan Journey Starts in Bastrop

Compare rates from local and national lenders, use our free calculators, and get matched with a loan officer who knows Bastrop County inside and out.

$321K
Median home price
Bastrop, TX 2026
64
Avg. days on market
in Bastrop
100+
Local lenders &
loan officers

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A licensed Bastrop mortgage professional will contact you within 24 hours with personalized rate quotes.

Live Rates
30-Yr Fixed6.82%▼ 0.03
15-Yr Fixed6.14%▼ 0.02
5/1 ARM6.31%▲ 0.01
FHA 30-Yr6.55%▼ 0.04
VA Loan6.28%▼ 0.02
Jumbo 30-Yr7.01%▲ 0.05
USDA Loan6.48%▼ 0.01
30-Yr Fixed6.82%▼ 0.03
15-Yr Fixed6.14%▼ 0.02
5/1 ARM6.31%▲ 0.01
FHA 30-Yr6.55%▼ 0.04
VA Loan6.28%▼ 0.02
Jumbo 30-Yr7.01%▲ 0.05
USDA Loan6.48%▼ 0.01
Simple Process

Get Your Bastrop Home Loan in 4 Steps

From first inquiry to closing day, we make the mortgage process straightforward and stress-free for Bastrop County homebuyers.

1
Fill Out Our Form

Answer a few quick questions about your home purchase. No credit pull required at this stage.

2
Compare Offers

Receive personalized rate quotes from multiple local Bastrop lenders side by side.

3
Choose Your Lender

Select the loan and lender that fits your budget. No pressure, no obligation.

4
Close with Confidence

Work directly with your chosen lender to complete your application and close on your Bastrop home.

$321K
Median Sale Price
Bastrop, TX — Jan 2026
▲ 0.2% year over year
64
Avg. Days on Market
Down from 117 last year
Market moving faster
711
Active Listings
Bastrop County
▲ 18.5% inventory increase
30 mi
From Downtown Austin
Affordable alternative
Growing community
Free Tools

Mortgage Calculators

Use our free calculators to estimate your monthly payment, affordability, and refinance savings — tailored to Bastrop home prices.

Monthly Payment
Affordability
Refinance Savings
Home Price $321,000
Down Payment 20% — $64,200
Interest Rate 6.82%
Loan Term 30 Years
Property Tax (Annual) $4,815
Homeowners Insurance $1,200/yr
Your Estimated Payment
Total Monthly Payment $1,872
Principal & Interest $1,673
Property Tax $401
Homeowners Insurance $100
Loan Amount $256,800
Total Interest Paid $345,780
Get This Rate Today
Annual Household Income$85,000
Monthly Debt Payments$500
Down Payment Saved$30,000
Interest Rate6.82%
Your Buying Power
Max Home Price $310,000
Max Loan Amount $280,000
Est. Monthly Payment $1,831
Debt-to-Income Ratio 36%
Bastrop Median Price $321,000
Pre-Qualify Now
Current Loan Balance$240,000
Current Interest Rate7.50%
New Interest Rate6.82%
Remaining Term25 Years
Closing Costs$4,800
Your Refinance Savings
Monthly Savings $107
Current Payment $1,775
New Payment $1,668
Break-Even Point 45 months
Lifetime Savings $32,100
Explore Refinance Options
Lender Directory

Find a Trusted Bastrop Lender

Browse verified mortgage professionals serving Bastrop County. Compare loan types, specialties, and connect directly.

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Home Protection

Every Homebuyer Needs These Services

Complete your home purchase with trusted insurance, warranty, and title services — all sourced for Bastrop County homeowners.

🏡
Homeowners Insurance

Compare rates from top Texas insurers in minutes. Required for all mortgages.

Compare Rates Free
🔧
Home Warranty

Protect your appliances and systems with a comprehensive home warranty plan.

Plans from $29/mo
📋
Title Insurance

Protect your ownership rights with owner's and lender's title insurance policies.

One-Time Premium
🔍
Home Inspection

Connect with certified Bastrop home inspectors before you close on your purchase.

Book an Inspector
Reviews

Bastrop Homeowners Love Us

Real stories from people who found their Bastrop home loan through our platform.

★★★★★

We compared four lenders in under 20 minutes. Ended up with a rate 0.4% lower than our bank offered. Saved us hundreds every single month.

MR
Marcus & Rachel T.
Bastrop, TX — Purchased 2025
★★★★★

As a first-time buyer I was overwhelmed. The calculators here made everything click. My loan officer was patient and explained every step clearly.

SL
Sofia L.
Bastrop County — Closed Jan 2026
★★★★★

Used the refinance calculator and couldn't believe the savings. Refinanced within 60 days. The break-even number was exactly what the calculator showed.

JD
James D.
Bastrop, TX — Refinanced 2025
Rate Alerts

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Learning Center

Bastrop Mortgage Resources

Expert guides written for Bastrop County homebuyers. From first-time buyer tips to refinancing strategy.

🏡
First-Time Buyers
Complete Guide to Buying Your First Home in Bastrop, TX

Everything Bastrop first-time homebuyers need to know — from saving for a down payment to closing day.

📊
Market Update
Bastrop Housing Market Outlook: Spring 2026

Inventory is up 18.5% in Bastrop County. Here's what that means for buyers and sellers this spring.

🔄
Refinancing
Is Now the Right Time to Refinance in Bastrop?

With rates shifting in 2026, we break down when a refinance makes financial sense for Texas homeowners.

⚖️
Loan Types
FHA vs. Conventional Loans in Texas: Which Is Right for You?

A side-by-side breakdown of FHA and conventional loans for Bastrop County homebuyers.

🎖
VA Loans
VA Home Loans in Bastrop: Benefits for Texas Veterans

Zero down payment, no PMI, and competitive rates. A complete VA loan guide for Bastrop veterans.

🌾
USDA Loans
USDA Rural Development Loans: Bastrop County Eligibility

Many Bastrop County areas qualify for USDA zero-down loans. Find out if your property is eligible.

FAQ

Frequently Asked Questions

Answers to the most common mortgage questions from Bastrop County homebuyers.