About Brad Cullipher Austin Mortgage
Founded in 2003 by Brad Cullipher, American Capital Home Loans (also known as My House Loan) is a direct lender based out of Austin, Texas. For over a decade, they have been committed to assisting clients across the United States with their home purchase, refinance, and construction financing needs, establishing themselves as a reliable partner in homeownership.
American Capital Home Loans differentiates itself through a strong focus on simplifying the often-complex mortgage process. Brad Cullipher and his team strive to make every transaction easy, streamlined, and highly accessible, aiming to alleviate the inherent stress of securing a home loan. Their dedication is reflected in a high 98% customer satisfaction rate.
The lender boasts an impressive track record, having funded over $1 billion in loans to date with an average loan approval period of just 10 days. They offer a diverse range of mortgage solutions, including conventional, FHA, VA, USDA, and Jumbo loans, supported by digital tools like the Loanzify App, online applications, and various mortgage calculators to empower borrowers.
American Capital Home Loans differentiates itself through a strong focus on simplifying the often-complex mortgage process. Brad Cullipher and his team strive to make every transaction easy, streamlined, and highly accessible, aiming to alleviate the inherent stress of securing a home loan. Their dedication is reflected in a high 98% customer satisfaction rate.
The lender boasts an impressive track record, having funded over $1 billion in loans to date with an average loan approval period of just 10 days. They offer a diverse range of mortgage solutions, including conventional, FHA, VA, USDA, and Jumbo loans, supported by digital tools like the Loanzify App, online applications, and various mortgage calculators to empower borrowers.
Company Information
Founded: 2003
Lender Type: Direct Lender
Headquarters: Austin, TX
Total Loans Originated: $1 Billion In Loans Funded to Date
Licensed In
ALL
Digital Capabilities
Online Application
Mobile App
Digital Document Upload
Rate Calculator
Pre-Qualification Tool
Home Loan Products
Purchase Mortgages
Loan Types:
ConventionalFHAVAUSDAJumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)Interest-Only
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time Homebuyer
Available Terms:
15 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)
100%
Max LTV
Refinance Loans
Loan Types:
RefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)Interest-Only
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
15 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)
FHA Home Loans
Loan Types:
FHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondo
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Available Terms:
15 years30 years
Credit Tiers:
Good (680-739)Fair (620-679)Poor (580-619)
VA Loans
Loan Types:
VA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondo
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-EmployedRetired
Income Verification:
Full Documentation
Special Programs:
Veteran ProgramNo PMI Program
Available Terms:
15 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)
0
USDA Rural Development Loans
Loan Types:
USDA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeManufactured/Mobile Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Available Terms:
30 years
Credit Tiers:
Good (680-739)Fair (620-679)
0
Jumbo Loans
Loan Types:
JumboConventional
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
15 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)
Contact Information
3307 Northland Dr #100
Austin, TX 78731
US
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Business Information
Category: Mortgage Lender
Location: Austin, TX
Status: Standard
Founded: 2003
Type: Direct Lender
Loans Originated: $1 Billion In Loans Funded to Date
Profile Views: 11
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