This is a market where a first home is still genuinely reachable on a normal income — FHA and low-down conventional do most of the work. We are licensed across Texas and place loans throughout Lockhart and the rest of Caldwell County.
This is a market where a first home is still genuinely reachable on a normal income — FHA and low-down conventional do most of the work. Schools here fall under Lockhart ISD, and school district is the single largest component of the tax bill — which is why two homes at the same price in Lockhart can carry noticeably different monthly payments.
Lockhart sits in Caldwell County, where effective rates run roughly 1.8% – 2.3%. Values are set by the Caldwell County Appraisal District. We build the escrow from your parcel's actual rate rather than a county average, so the number you see at pre-approval is the number you see at closing.
14 licensed mortgage brokers, one of whom will own your file from application to funding. Start in the Payment Lab with no email required, or tell us what you are trying to do.
All 1 ZIP codes fall under Lockhart ISD. Property tax and escrow are set at the district level, so check your exact parcel before you set a budget.