Georgetown blends historic charm with modern growth, offering small-town character just 30 minutes north of Austin. With a vibrant downtown square, excellent schools, and Lake Georgetown at your doorstep, it's no wonder families and retirees flock here. Quantum Loans helps Georgetown buyers navigate everything from historic home renovations to new-build subdivisions—with clear advice and fast approvals.
Georgetown sits at the northern edge of the Austin metro along I-35, offering a true town square with local restaurants, antique shops, and community events. Housing ranges from Victorian-era homes near downtown to sprawling master-planned communities like Sun City Texas (a 55+ active adult development) and family-friendly neighborhoods with resort-style amenities.
Last updated: January 15, 2025
Get Pre-ApprovedGeorgetown sits at the northern edge of the Austin metro along I-35, offering a true town square with local restaurants, antique shops, and community events. Housing ranges from Victorian-era homes near downtown to sprawling master-planned communities like Sun City Texas (a 55+ active adult development) and family-friendly neighborhoods with resort-style amenities.
The market here appeals to diverse buyers: young families seeking Georgetown ISD schools, retirees downsizing from larger metros, and commuters who work in Round Rock or North Austin. Property prices are generally more affordable than central Austin, and buyers often find more land per dollar. Competition varies—homes near top schools or the historic district move quickly, while properties on the outskirts may offer negotiating room. Some areas on Georgetown's periphery may qualify for USDA financing, making zero-down loans possible for eligible households.
Conventional mortgages are popular among Georgetown buyers with solid credit and 5–20% down payment savings. Lower insurance costs and flexible terms make conventional financing ideal for move-up buyers and those refinancing out of FHA.
FHA financing helps first-timers and budget-conscious buyers with as low as 3.5% down. Georgetown's affordable inventory makes FHA especially attractive for younger families and educators working in local school districts.
Many Georgetown residents are military veterans or active-duty personnel near Fort Hood. VA loans offer zero down, no monthly mortgage insurance, and competitive rates. Local sellers are familiar with VA requirements and generally work smoothly with veteran buyers.
Some properties on Georgetown's eastern and northern edges may fall within USDA-eligible rural boundaries. USDA loans offer zero down for qualifying households. Check eligibility if you're considering homes near Jarrell, Granger, or other outlying areas.
Georgetown's luxury market—especially in Sun City Texas and lakefront properties—occasionally exceeds conventional loan limits. Jumbo financing is available for well-qualified buyers with strong credit and reserves.
Bob and Linda sold their Dallas home and bought a golf-course villa in Sun City Texas. They used a conventional loan with 30% down from their sale proceeds, appreciated the 55+ community amenities, and closed in three weeks.
Rachel teaches at a Georgetown ISD elementary school and wanted to buy near her campus. An FHA loan with 3.5% down and help from her parents helped her purchase a three-bedroom starter home. She used our mortgage calculator to budget for property taxes and insurance.
Captain Rodriguez transferred from Fort Hood and chose Georgetown for its schools and family-friendly vibe. His VA loan required zero down, and his loan officer coordinated seamlessly with the seller's agent. He closed in 30 days.
Share your income, credit, and asset info, and we'll issue a pre-approval letter that Georgetown agents and sellers respect. Most applicants complete this step in one to two business days. Gather your documents checklist ahead of time to speed things up.
With pre-approval in hand, tour homes with your realtor. When you find the right property, we help you craft an offer that balances purchase price, contingencies, and closing timeline. In competitive neighborhoods, speed and clarity win.
Once you're under contract, we order the appraisal and submit your loan file for underwriting review. Stay responsive—underwriters may request updated pay stubs or clarification on deposits. Most Georgetown purchases move smoothly when borrowers reply promptly.
At the title office, you'll sign your final documents and receive keys to your new home. We coordinate with your agent, title company, and seller to ensure a seamless closing. Typical timelines run 28–38 days from contract to closing.
FHA loans allow as low as 3.5% down for qualified buyers, conventional loans typically require 5–20%, and VA or USDA may allow zero down if you're eligible. Your loan officer will help you choose the option that fits your financial situation.
Most transactions close in 30–40 days. Historic home purchases may take slightly longer due to appraisal complexity, while new construction timelines depend on builder schedules. Staying organized and responsive keeps your closing on track.
Yes. Lenders may require additional documentation for older homes, including foundation inspections or updated electrical systems. Some historic properties qualify for renovation loans that bundle purchase price and improvement costs.
Yes. Seller credits toward closing costs are negotiable, especially in buyer-friendly markets or with new-build incentives. Your agent and lender will advise on how much to request without weakening your offer.
Gift funds from family are widely accepted. Williamson County and regional nonprofits offer down payment assistance programs, though eligibility and funding levels vary. Ask your lender to check current options before making an offer.
Ready to buy or refinance in Georgetown? Call us at (512) 314-0389 or click below to get pre-approved online. We're local, responsive, and focused on getting you to the closing table without the runaround.
"They understood Georgetown's market and got us closed in 32 days."
"Clear communication, no surprises, and excellent rates."
"Best lender we've worked with—highly professional and responsive."
Quantum Loans
1234 Congress Ave, Suite 200
Austin, TX 78701
Phone: (512) 314-0389
NMLS ID: 2624644
Licenses: TX SML, NMLS 2624644
Equal Housing Lender. Rates shown are for illustration only and are not a commitment to lend. Terms subject to credit approval and underwriting. Texas Consumer Complaint/Recovery Fund disclosures as applicable. Loan limits and assistance programs may change; verify current figures before applying.
Call us: +1 (512) 314-0389
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