--- title: "Mortgage & Lending | Nook Realty" description: "Mortgage calculator, buying power, and Texas financing guidance from Jennifer Ferrara — a luxury REALTOR® and licensed loan officer serving Austin, Driftwood, Dripping Springs, Bee Cave, Westlake and the Hill Country." lang: en json-ld: | [ { "@context": "https://schema.org", "@graph": [ { "@type": [ "RealEstateAgent", "LocalBusiness" ], "@id": "https://nook-realty.com/#organization", "name": "Nook Realty", "url": "https://nook-realty.com", "logo": "https://nook-realty.com/favicon.png", "image": "https://nook-realty.com/favicon.png", "description": "Nook Realty, founded by Jennifer Ferrara, serves luxury and Hill Country buyers and sellers across Austin, Driftwood, Dripping Springs, Buda, Bee Cave, Lakeway and Wimberley, Texas.", "telephone": "+1-512-960-2058", "email": "jennifer@nookrealtygroup.com", "priceRange": "$$$", "founder": { "@type": "Person", "name": "Jennifer Ferrara" }, "parentOrganization": { "@type": "RealEstateAgent", "name": "Sprout Realty ERA Powered", "employee": { "@type": "Person", "name": "Cody Cooper", "jobTitle": "Broker of Record" } }, "address": { "@type": "PostalAddress", "streetAddress": "2506 S Lamar Blvd", "addressLocality": "Austin", "addressRegion": "TX", "postalCode": "78704", "addressCountry": "US" }, "areaServed": [ "Austin, TX", "Driftwood, TX", "Dripping Springs, TX", "Buda, TX", "Bee Cave, TX", "Lakeway, TX", "Wimberley, TX" ], "sameAs": [ "https://www.instagram.com/thenookaustin/" ] }, { "@type": "WebSite", "@id": "https://nook-realty.com/#website", "url": "https://nook-realty.com", "name": "Nook Realty", "publisher": { "@id": "https://nook-realty.com/#organization" }, "potentialAction": { "@type": "SearchAction", "target": "https://nook-realty.com/search/address?q={search_term_string}", "query-input": "required name=search_term_string" } } ] }, { "@context": "https://schema.org", "@graph": [ { "@type": "RealEstateAgent", "@id": "https://nook-realty.com/#organization", "name": "Nook Realty", "url": "https://nook-realty.com", "logo": "https://nook-realty.com/favicon.png", "image": "https://nook-realty.com/favicon.png", "description": "Nook Realty, founded by Jennifer Ferrara, serves luxury and Hill Country buyers and sellers across Austin, Driftwood, Dripping Springs, Buda, Bee Cave, Lakeway and Wimberley, Texas.", "telephone": "+1-512-960-2058", "email": "jennifer@nookrealtygroup.com", "founder": { "@type": "Person", "name": "Jennifer Ferrara" }, "parentOrganization": { "@type": "RealEstateAgent", "name": "Sprout Realty ERA Powered", "employee": { "@type": "Person", "name": "Cody Cooper", "jobTitle": "Broker of Record" } }, "address": { "@type": "PostalAddress", "streetAddress": "2506 S Lamar Blvd", "addressLocality": "Austin", "addressRegion": "TX", "postalCode": "78704", "addressCountry": "US" }, "areaServed": [ "Austin, TX", "Driftwood, TX", "Dripping Springs, TX", "Buda, TX", "Bee Cave, TX", "Lakeway, TX", "Wimberley, TX" ], "sameAs": [ "https://www.instagram.com/thenookaustin/" ] }, { "@type": "WebSite", "@id": "https://nook-realty.com/#website", "url": "https://nook-realty.com", "name": "Nook Realty", "publisher": { "@id": "https://nook-realty.com/#organization" } }, { "@type": "WebPage", "@id": "https://nook-realty.com/mortgage#webpage", "url": "https://nook-realty.com/mortgage", "name": "Mortgage & Lending | Nook Realty", "description": "Mortgage calculators, buying power, and Texas financing guidance from Jennifer Ferrara, a REALTOR® and licensed loan officer.", "isPartOf": { "@id": "https://nook-realty.com/#website" }, "about": { "@id": "https://nook-realty.com/#organization" } }, { "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://nook-realty.com/" }, { "@type": "ListItem", "position": 2, "name": "Mortgage", "item": "https://nook-realty.com/mortgage" } ] } ] } ] --- We use cookies. We use cookies to enhance your experience. [Learn more](/privacy-policy) AcceptRejectCustomize [![Nook Realty](/__l5e/assets-v1/2100afb9-db3e-4a2b-b60e-6087199d0ab7/nook-logo.png)](/) About [Communities](/neighborhood) Buy with us Buyer's guide [Mortgage](/mortgage) Sell with us Contact us Get in Touch Mortgage & Lending # Real estate and lending, under one roof. Jennifer Ferrara is both a luxury REALTOR® and a licensed loan officer in Texas — which means your home search and your financing are guided by the same person, with the same standards, from the first conversation to the closing table. A Note from Jennifer "I'm a licensed loan officer in Texas in addition to being a REALTOR®. That second license isn't a marketing line — it's how I make sure my buyers never have to translate between an agent and a lender. We model the numbers together, structure the offer around what your file can actually support, and keep underwriting moving quietly in the background while you focus on the home." NMLS information and full licensing details available on request. Know Your Buying Power ## What price range can your file actually support? A quick estimate based on income, monthly debts, and cash to close — modeled with Hill Country property tax and insurance assumptions. Real numbers come from a full pre-approval; this is the starting frame. Gross annual household income $ Monthly debt payments (cars, student loans, cards) $ Cash available for down payment $ Rate (%) Tax rate (%/yr) Ins. rate (%/yr) Estimated buying power $955,927 target purchase price Implied loan amount $755,927 Max monthly PITI $6,650 Start pre-approval Modeled at ~40% back-end DTI. Conventional, jumbo, and bank-statement programs vary materially — let's run the real numbers together. Mortgage Calculator ## Estimate your monthly payment. Principal, interest, Texas property tax, homeowners insurance, and HOA — modeled on a specific home price and down payment. Home price $ Down payment $ Interest rate (%) Loan term (years) Annual property tax $ Annual home insurance $ Monthly HOA $ Estimated monthly payment $6,224 Principal & interest $4,424 Property taxes $1,350 Insurance $375 HOA $75 Loan amount $700,000 Talk through the numbers Estimates only. Actual rates and payments depend on credit, lender, loan program, and property specifics. Not a loan offer. Buyer Financing Guidance ## The loan structure shapes the offer. ### Conventional & Jumbo For most of our Austin and Hill Country buyers, the conversation starts with conventional or jumbo financing — competitive rates, flexible down payments, and the cleanest path through underwriting. ### Bank-Statement & Asset-Based For self-employed buyers and clients whose tax returns don't tell the whole story, alternative-doc programs underwrite to deposits or assets instead of W-2s. ### Acreage & Land Loans Acreage, ag-exempt properties, and homes with outbuildings need a lender who actually closes them. We route those files to the right desk from day one. ### Bridge & Cross-Collateral If you're buying before you sell, we model bridge financing or cross-collateralization so you can write a non-contingent offer with confidence. ### Construction & Renovation One-time-close construction, lot loans, and renovation financing for the buyer who's customizing instead of compromising. ### Cash-Equivalent Offers For competitive listings, we structure financed offers that compete with cash — short option periods, appraisal-gap language, and a lender ready to deliver on time. One Team, Two Licenses ## Why having your REALTOR® and loan officer in the same conversation matters. 01 ### Aligned strategy from day one We design the search around what you can actually buy — and write offers structured around what your file can actually close. 02 ### Faster, cleaner underwriting When the agent and lender share notes in real time, conditions get resolved in days instead of weeks. No surprises three days before closing. 03 ### Stronger position at the table Listing agents take an offer more seriously when the buyer's REALTOR® can speak directly to the loan file. That edge wins homes. Start Your Pre-Approval ## Let's run your real numbers — and start writing offers from a place of certainty. A short, private conversation with Jennifer. We'll cover income, assets, the loan program that fits, and the price range you can comfortably compete in across Driftwood, Dripping Springs, Bee Cave, Westlake, and the surrounding Hill Country. Begin Pre-Approval[Read the Buyer Guide](/buyer-guide) [![Nook Realty](/__l5e/assets-v1/43ffc338-a8c0-4fec-9868-c1534d77a598/nook-logo-onblack.png)](/) Luxury and Hill Country real estate, helping relocating buyers and sellers in Driftwood, Dripping Springs, Buda, Bee Cave, Johnson City, Wimberley, Austin, the Texas Hill Country, and surrounding Hill Country communities. [(512) 994-8080](tel:+15129948080)[jennifer@nookrealtygroup.com](mailto:jennifer@nookrealtygroup.com) Sprout Realty ERA Powered 2506 S Lamar Blvd, Austin, TX 78704 [](https://www.facebook.com/NookRealtyAustin/)[](https://www.instagram.com/thenookaustin/) ## Explore - [About](/about) - [Meet the Team](/team) - [Communities](/neighborhood) - [Map search](/idx/map-search) - [Buyer guide](/buyer-guide) - [Contact](/contact) - Work with us ## Communities - [Parten](/neighborhood/parten) - [Rim Rock](/neighborhood/rim-rock) - [Rutherford West](/neighborhood/rutherford-west) - [Reunion Ranch](/neighborhood/reunion-ranch) - [Sunset Canyon](/neighborhood/sunset-canyon) - [Belterra](/neighborhood/belterra) - [Highpointe](/neighborhood/highpointe) - [Rough Hollow](/neighborhood/rough-hollow) - [Howard Ranch](/neighborhood/howard-ranch) - [La Ventana](/neighborhood/la-ventana) - [Spanish Oaks](/neighborhood/spanish-oaks) - [Barton Creek](/neighborhood/barton-creek) ## Search homes by community - [Homes for sale in Parten](/idx/parten) - [Homes for sale in Rutherford West](/idx/rutherford-west) - [Homes for sale in Sunset Canyon](/idx/sunset-canyon) - [Homes for sale in Belterra](/idx/belterra) - [Homes for sale in Highpointe](/idx/highpointe) - [Homes for sale in Rough Hollow](/idx/rough-hollow) - [Homes for sale in La Ventana](/idx/la-ventana) - [Homes for sale in Spanish Oaks](/idx/spanish-oaks) - [Homes for sale in Barton Creek](/idx/barton-creek) - [Map search](/idx/map-search) - [Buyer guide](/buyer-guide) SMS & Messaging Consent (A2P 10DLC): By providing your phone number to Nook Realty, you agree to receive call, email, and SMS messages from Nook Realty regarding real estate services. Message frequency varies. Message and data rates may apply. Reply HELP for help or STOP to opt out at any time. Consent is not a condition of any purchase. See our [Privacy Policy](/privacy-policy) and [SMS Terms](/terms-of-service). Nook Realty is a team of real estate professionals operating under Sprout Realty ERA Powered , a licensed real estate brokerage in the State of Texas. Cody Cooper is the Broker of Record and Principal Broker of Sprout Realty ERA Powered. Jennifer Ferrara is the Founder of Nook Realty. All information deemed reliable but not guaranteed. Each office independently owned and operated. Equal Housing Opportunity. © 2026 Nook Realty · All rights reserved. [Privacy Policy](/privacy-policy)[Terms of Service](/terms-of-service)Cookie Settings