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!


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


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.

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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

Google 5 stars

Matthew Twite

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 very responsive, very honest, helpful, and generally pleasant to deal with. He will even tell you how best to shop for rates, but alas, you still end-up back with him at the end because his rates are the best anyway. We send our friends his way as well.

Google 5 stars

Julia Terstriep

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 heads around what was to come. He is straight forward, and it didn't feel like a sketchy, parking lot sale, which I appreciated.

Google 5 stars

Darrell Walker

We contacted Highlander Mortgage to get some rates for a cash out refinance. Ashby was awesome to work with. He was very knowledgeable and easy to work with throughout the entire process. He took the time to explain the various options available to us and made sure that we selected the one that best fit our situation. If we ever have a need for another mortgage, we will definitely be contacting Ashby first!

Google 5 stars

Ryan Ermisch

Ashby is the best mortgage consultant you could ever find. He treats you with the utmost respect, he immediately provides his cell number and will always answer the phone. He recently helped me purchase a home in north Dallas which was very competitive. Because he was able to close faster, we were able to beat other offers. I also ran a real estate business and he helped close 12 deals and many that were complicated. We never lost a single deal and every client was extremely happy with him. If he is the only call you make, you will be in great hands!

Google 5 stars

Eunice Duong

Highlander Mortgage helped me refinance my existing loan. Ashby worked quickly and efficiently to get me pre-approved. The closing process was fast and well-organized. His online portal made it very easy to upload all of my documents and he continued to be very responsive during the closing process. I highly recommend Ashby; he's professional, knowledgeable and hard working.