• Information on refinancing and mortgage interest rates!

    as of March 16, 2020.

  • Purchase

    First Time Home Buyer. Down Payment Assistance. Conventional. FHA. VA. USDA. Jumbo Loans. We have the product you need at a rate you want!

    Refinance for Home Improvements or to Payoff Debt

    Looking to use some of your home equity for home improvements, college planning, or to consolidate debt? Let's talk and go over what options are available!

    Refinance to Lower Payment

    Need to lower your mortgage payment? Reach out today and lets discuss if refinancing would be a viable option for you!

    Upload Documents

    To complete the approval process of your loan, additional information may be needed. You can send them online by clicking HERE.

  • How It Works

    Do not let a home loan intimidate you!



    This can be done with a conversation over the phone or online. Our On-The-Fly Apply takes less than 5 minutes and gives us the basic info needed to get started. We will give you a call once we receive the information to go over some specifics, as well as get a feel of what your intentions and goals are. If you are ready, this is the step where we will pull credit and review your credit history.



    To strengthen your Pre-Qualification Letter we recommend that you provide us with some basic documentation such as pay stubs, W-2s, Tax Returns (if self-employed) and bank statement showing funds to close. If we have any concerns about your file, we will review with our underwriters at this time so we have no surprises later. Surprises in mortgages=not awesome.


    Home Shopping

    Now comes the fun part! Since you have completed steps 1 & 2 you can feel confident while out shopping for a home. If any questions pop up along the way just give me a call!



    You found a property, are under contract and good to go with home inspection. We will now order the appraisal to determine the market value of the home. The appraisal will be completed by a local appraiser that has been hand-picked to be on our appraisal panel. The report takes up to a week to be returned to us and you will automatically receive a copy after we have reviewed it.


    Underwriting/Loan Approval

    Underwriting consists of the 3 C's. Credit, Capacity (Income and Employment) and Collateral. Now that the collateral piece of the puzzle is available with the appraisal, we can get a FULL loan approval. The file will go back to one of our in-house underwriters where they will perform their final review and issue the coveted CLEAR TO CLOSE.



    Closing day!!!

    You will receive a copy of the Closing Disclosure (CD) a minimum of 3 days prior to your scheduled closing date. The CD will show you the final funds needed to close. Now all that is left is your signature on the closing documents!


  • Super Useful & Informative Blog Posts Below!

    Find out how mortgage rates work, how to improve credit score, what is PMI, why online rates seem so low (tricky tricky) , information about ARMs and more!!

    Your length of credit history looks at how long your accounts have been opened. This has a 15%...
    First things first, I think down payment assistance (DPA) is a fantastic program. Hell, I used a...
    The Federal Reserve Open Market Committee (FOMC) meets at least eight times per year to discuss...
    July 26, 2019
    Many mortgage loan programs today allow homebuyers to use less than a 20% down payment when...
    Low interest rate articles are everywhere but does it make sense for your to refinance? Here are...
    You guys I am soooo excited for this! I swear the builders have the best lobbyist. How they are...
    State housing agency offers special 3.99% mortgage loan rate for first time homebuyers (AUSTIN) ...
    According to the 2017 HMDA data, 30.3% of denied applications attributed 'debt-to-income ratio'...
    More Posts
  • What makes me different?

    Real Estate Nerd At Your Service!

    Mortgage Lender Near Me is photo of Stephanie Donnell with a warm smile and a tagline of All things greater Austin Mortgage and real estate related!

    Stephanie Donnell

    Residential Mortgage Loan Originator-- nmls#1031976

    TREC Real Estate CE Instructor-- License # 4634

    I have been in the mortgage industry almost 20 years and have worked on THOUSANDS of loans. To say I am highly experienced would be an understatement. I have made a commitment to providing an exceptional experience for my clients as well as a streamlined, worry-free transaction for referral partners. I pride myself on up-front client education, an easy-to-follow loan process, and a competitively-priced loan. I want every client to fully understand their options and walk away feeling empowered.


    In my dedication to being the best lender in Austin, I maintain a high level of continuing education far beyond what is required for my license. I stay up-to-date on guideline changes and new programs so I offer the best option for each client's individual needs. There is not a one size fits all loan so it's important to work with someone who has your priorities in mind.


    Capstar Lending is a private mortgage firm, focusing entirely on home loans. Our team is small enough to provide the personalized attention that the client deserves, but also are large enough to have access to a wide array of mortgage products and client-friendly technology that streamlines the process.


    I receive the majority of my business through referrals from real estate professionals and happy customers! My goal is to earn your confidence and be deserving of the referral of family and friends. I am accessible to you from start to finish! Contact me today to get pre-qualified to buy, refinance or even to discuss how to make your homeownership goals a reality in the future!



    Mortgage Mom!

    At the heart of everything I do is my husband, T.J., a local real estate appraiser, and our three amazing children. There is never a dull moment at our dinner table! I met my husband while we were living in Beaumont, TX. We soon relocated to his hometown of Austin after Hurricane Rita in 2005.


    Outside of the office I enjoy working on Pinterest projects, watching sports (Hook ‘Em and Rock Chalk!), listening to podcasts (yay Dave Ramsey), and spending time with family and friends.


    Pictured: TJ, William, Weston, and Lillian as well as our two pups.




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