The Highlander Mortgage Team

Highlander Mortgage is a full-service mortgage company located in Austin, Texas. We have been in business since 2008 and we are still going strong today by providing you with the lowest mortgage rates you'll find anywhere on the following home loans:

  • Conventional loans
  • FHA loans
  • VA loans
  • Jumbo loans
  • Home Equity loans
  • Purchase-money second liens
  • Primary Residence, Second Home, Investment Properties

We have a very simple operation with low overhead, so we are able to deliver the best possible service at the lowest possible price.  Also, we use the latest technology to ensure that your personal information stays secure. When it comes to security, most of our competitors do not have anything close to what we have!

 

We're not just loan officers - we're homeowners too!

We're not some call center guy in West Palm Beach who sees you as a number - we are Austin-area homeowners just like you are, or want to be! In fact, we were even first time home buyers once! We have bought homes, sold homes, made mortgage payments, called electricians and plumbers (after unsuccessfully trying to do our own repairs), made home improvements, mowed our own lawns, hired people to mow our lawns for us - you name it.

Our philosophy regarding home loans is very simple: no two clients are exactly alike and no two situations are exactly alike; therefore, a one-size-fits-all approach to mortgages is never in the best interest of our clients.

Click here to meet our team

We are long-term thinkers who advise our clients against "quick fixes" and in favor of long-term stability and personal wealth-building. The more money we can save our clients over the long term, the better. Our goal is to deliver a mortgage experience that is second-to-none so you will want to tell all your friends and family about us. We can't do that unless we provide exceptional customer service and rates that are the lowest in the marketplace.

At Highlander Mortgage, we believe that our first-class service should not stop once the transaction is complete. So we make sure that all of our clients understand that they can call us any time they have a question about anything related to mortgages. (Of course they can ask us a question about anything else, but we only claim to be experts when it comes to mortgages!)

Ashby McDonald, the owner, has over fifteen years of experience in the mortgage industry as a loan officer and broker. After obtaining a bachelor's degree in Finance from the Cox School of Business at Southern Methodist University in Dallas, Texas, Ashby spent six years in corporate finance in the area of strategic planning and mergers and acquisitions. Then he found his true calling: to help individuals, rather than large corporations, achieve their financial dreams.

First-Time Home Buyers
If you are a first time home buyer, there are certain programs that Highlander Mortgage wants you to know about:

FHA loans only require 3.5% down!

FHA is the way to go if you have a steady job but not a lot of savings. You only need a 620 credit score and 3.5% down payment. What's even better: that 3.5% down payment can come from a family member!

A low-cost home loan with only 3% down is closer than you think!

With an uncertain economy and the lowest interest rates in history, 3% down is the way to go if you can qualify, and qualifying is a lot easier than you think with our low-cost 3% down options, designed to save you money now and in the future. There are income limitations for this type of loan, so click here for more details!

Austin Home Loan Information
Highlander Mortgage wants you to be armed with as much information as possible to make an informed decision about your Mortgage. That's why we have created a Texas Mortgage Crash Course that can answers some basic questions about Texas home loans.

Do You Have Mortgage Questions or Concerns?
If you have any home loan questions or concerns, please call us at (512) 501-3624 and speak with one of our experienced Loan Officers today or use our Ask an Expert interface and we will get back with you as soon as we can!

Make it a great day!

Homebuyers

See how much you qualify for in today's market.

Refinance

We can help you lower your rate or take cash out.

Today's Rates

See if the time is right for you to purchase
or refinance.

Ask A Question

We can answer your mortgage related questions.

What are you waiting for?

Getting started is easy!

Loan Programs

We can help you make a purchase, lower your payment, take cash out, or consolidate debt.

FHA Loans

VA Loans

Conventional Loans

Home Refinance Loans

Jumbo Home Loans

Home Purchase Loans

What our clients are saying

  • Ashby was incredibly easy to work with and made the process smooth. He was able to find me a great rate and his communication was a 10/10 keeping me informed... read more

    Anudaan Arora Avatar Anudaan Arora

    Ashby is incredibly sharp and was very helpful throughout our first home purchase. He guided us through every step with clear answers and sound advice. From proactively monitoring market rates... read more

    Ryan O'Leary Avatar Ryan O'Leary

    Overall very pleasant experience. We been very happy with Ashby and can only recommend him. Thanks so much

    Esther Cordova Avatar Esther Cordova

    Ashby and Highlander Mortgage are the best! We have worked with them on multiple homes over the years, and every time it has been a good experience. Ashby specifically is... read more

    Matthew Twite Avatar Matthew Twite
  • We worked with Scott Dill. And he was fantastic! First off, he was very timely in his responses. We always felt like his number 1 priority. The... read more

    Jas B Avatar Jas B

    Ashby truly is the best and I must say that from beginning to end my experience was nothing short of exceptional. Ashby was committed to efficiency and meticulousness and was... read more

    An Nguyen Avatar An Nguyen

    Ashby and the team here were very helpful in securing a loan for a home purchase. He helped offer advice on the best approach to navigating both a sale and... read more

    Jim Chesters Avatar Jim Chesters

    I worked with Ashby at Highlander on a refinance for my home. It was my first time going through a refinance and Ashby was a great resource for answering my... read more

    Kelsy Kliesen Avatar Kelsy Kliesen
  • I had a great experience with Ashby and Highlander Mortgage. They not only had the lowest rate, he was very responsive to my questions as well. Much better experience than... read more

    Justin Hallonquist Avatar Justin Hallonquist

    Transparent and efficient!

    Wanda Hernández Avatar Wanda Hernández

    I was recommended to Highlander from a friend of mine who also recently purchased a home and used them to finance. Ashby was a pleasure to work with, he walked... read more

    Daniel Avetian Avatar Daniel Avetian

    Scott was a pleasure to work with, he was extremely responsive and proactive throughout the entire process and he went above and beyond to ensure we close the deal as... read more

    Balint Kurnasz Avatar Balint Kurnasz
  • I have had great experiences with Ashby on both of our transactions. We got condo mortgages from him twice, and he had the best rates and lowest fees. ... read more

    Nathan Hood Avatar Nathan Hood

    Working with Scott Dill @ Highlander Mortgage was a very good experience. He provided rates/pricing that no one else could beat. The site is great...they were unfailingly helpful and professional.... read more

    De Bo Avatar De Bo

    First let me say it is rare to find someone in the industry who is honest and forth right. We were referred to Mr. Scott Dill by a friend he... read more

    illuminated revelation Avatar illuminated revelation

    Look no further, Scott is the most professional Lender I've worked with. He's the most responsive and effective at getting my customers the best rate possible and then to... read more

    Steve Mullins Avatar Steve Mullins
  • We worked with Mr. Scott Dill and just closed on our financing last Friday. As a self-employed individual, with banking having tightened up so much during the pandemic, Scott... read more

    Puru Agrawal Avatar Puru Agrawal

    Ashby is the best. Not only was our closing cost thousands less than other offers but we closed on our refi within a week of finalizing the details. He is... read more

    Alex Victor Avatar Alex Victor

    Scott Dill at Highlander Mortgage has been my loan officer for my last 4 transactions (home purchase and several refi's). He's always been punctual, attentive, communicates well and often... read more

    John L Avatar John L

    I’m a first time homebuyer and Ashby was recommended to me by my mother, therefore, I knew I was in good hands. All I can say is wow! Ashby made my... read more

    Gabriel Ivarra Jr Avatar Gabriel Ivarra Jr