Austin, Texas · Gold Star Mortgage Financial Group
Austin mortgage guidance backed by more than 20 years of experience.
Buying, refinancing, or financing an investment property can get complicated quickly. Matt Kirschling gives Austin borrowers direct answers, practical options, and a clear path to closing.
A first conversation is about your scenario and options. It is not an application, and it is not an approval.
- Mortgage lending since 2005
- More than 1,500 loans closed
- Austin based
- Purchase, refinance, and investor financing
The work
The loan is not always simple. The explanation should be.
Most people do not need more mortgage vocabulary. They need someone to lay out the options side by side and say what each one actually costs.
Compare options honestly
Two loans can look similar and behave very differently over five years. We look at term, cost, and what happens if your plans change.
Know the real cash needed
Down payment is one line. Escrows, prepaids, taxes, and insurance are the rest. You should see the whole number early, not at signing.
Anticipate underwriting questions
Most delays are predictable. Income structure, deposits, entity ownership, and property type get reviewed up front instead of late.
Avoid surprises before closing
If something is going to be a problem, you hear it from me early, while there is still time to solve it.
Who I help
Different situations, different answers.
Homebuyers
First purchase or fifth. We talk through budget, cash to close, and what an offer needs to look like to hold up.
Homeowners refinancing
Look at the whole picture, not just a rate. Term, cost, break even, and whether the move is worth making at all.
Real estate investors
Conventional, DSCR, bank statement, and portfolio-minded structures depending on documentation and goals.
Borrowers with complicated scenarios
Self employed income, recent credit events, unusual property types, entity ownership, or paperwork nobody wants to read.
Loan options
Programs I work with
A short list of what comes up most. Which one fits depends on your income, credit, property, and documentation.
Conventional
Standard agency financing for primary homes, second homes, and investment property.
FHA
Government backed financing often used when down payment or credit history is the constraint.
VA
Financing for eligible service members, veterans, and surviving spouses.
Down Payment Assistance
Program based help with down payment or closing costs where a borrower and property qualify.
Jumbo
Loan amounts above conforming limits, common on higher priced Austin area properties.
Bridge Loans
Short term financing used when timing between two properties does not line up.
DSCR
Investment property financing evaluated largely on the property's cash flow.
Bank Statement
Alternative documentation using business or personal deposits instead of tax returns.
Self Employed Borrowers
Full documentation or alternative documentation depending on how the business files.
ITIN
Programs for borrowers who file with an individual taxpayer identification number.
Foreign National
Programs for borrowers whose income and credit are established outside the United States.
Non Warrantable Condos
Financing for condo projects that do not meet standard agency project requirements.
Asset Depletion
Qualifying approaches that consider documented assets rather than monthly income alone.
Other Specialty Programs
Renovation, construction to permanent, and other niche structures where a program fits.
Program availability and terms depend on the borrower's qualifications, the property, documentation, underwriting, and current program guidelines. Nothing here is an offer, an approval, or a commitment to lend.
Why borrowers and agents call Matt before the offer is written
Direct access
You talk to the loan officer working your file, not a queue.
Clear explanations
Plain answers about what a program requires and what it costs.
Unusual files
Experience with income, credit, and property situations that do not fit a template.
Austin timelines
Familiarity with local contracts, option periods, and closing deadlines.
Proactive updates
You and your agent hear from me before you have to ask.
Preparation
The file gets built to survive underwriting, not just to start.
Process
Three steps, no mystery.
01
Talk through the goal
What you are trying to do, the timeline, and what you already have in place. No application required to have the conversation.
02
Review the real options and numbers
Which structures fit your situation, what documentation each one asks for, and what the cash and monthly figures actually look like.
03
Build a plan and move toward closing
Order the file properly, flag underwriting questions early, and keep you and your agent updated through the close.
Reviews
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Questions
Common questions, answered carefully.
You do not need to know which loan you need. You just need a clear place to start.
An initial conversation is about understanding your scenario and the options in front of you. It is not an application, and it is not an approval.