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 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

    Scott Dill was extremely helpful refinancing our house, gave us a great rate on 1st attempt and was helpful guiding us through any extra information required to close.

    John Marques Avatar John Marques

    Ashby was great to work with as a first time homebuyer! He patiently explained many aspects of the borrowing process. He did all the behind the scenes work... read more

    Alex Santiago Avatar Alex Santiago

    Scott Dill was referred by a very good friend and I am glad I listened to said friend. Working with Scott during the refi process was nothing short of amazing.... read more

    D&M Soukup Avatar D&M Soukup
  • I had a great experience with Highlands Mortgage. As first time homebuyers, we were very grateful for Ashby‘s expertise. He made things full proof and kept us in line step-by-step... read more

    Stan Galanos Avatar Stan Galanos

    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 so easy to work with and very helpful. He was able to get us a great interest rate in a tough market. I cannot recommend him enough.

    Konleigh Kemnitz Avatar Konleigh Kemnitz

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

    Esther Cordova Avatar Esther Cordova
  • Simple automated process with an excellent amount of human interaction. Straight forward information paired with excessively competitive service that should be adopted by many larger firms if they weren't... read more

    Jaeson Reese Avatar Jaeson Reese

    Ashby was knowledgable, professional, and helpful. We were first time home buyers, and he went above and beyond to meet with us, explain the process, and help us wrap our... read more

    julia terstriep Avatar julia terstriep

    Scott Dill was excellent throughout this refinance process. He was professional, timely, straightforward, and on top of every step in the process. He got me a great interest rate and... read more

    nathan allen Avatar nathan allen

    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
  • 5 Stars! I've done 2 mortgages and 2 Refi's with Scott and his team, and they are fantastic to work with. Scott is super responsive and on top... read more

    Scott Gilger Avatar Scott Gilger

    I rarely provide feedback. But in this instance, having received such a great service I am compelled to write. From the time I made the call to inquire on rates to... read more

    Rahul Desai Avatar Rahul Desai

    Our realtor recommended Scott Dill, and we couldn’t have been more pleased with the service he provided. We had some time constraints that he satisfied successfully, while getting us... read more

    Lillian Mayers Avatar Lillian Mayers

    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
  • Ashby was incredibly communicative from beginning to end, and even graciously came to our closing. He offered the most competitive rate based on daily market fluctuations. We will absolutely be... read more

    Anna Avatar Anna

    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 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

    I can’t say enough great things about my experience working with Ashby as my mortgage consultant! From start to finish, he was incredibly helpful, professional, and most importantly—educational. As a... read more

    John Marques Avatar John Marques