"Our customers will forget most things about their mortgage, but they will never forget their experience." Travis Palm, Founder and Owner of Palm Lending
We help Texas families through their journey of homeownership by focusing on their current needs and long term goals.

Welcome to Palm Lending

At Palm Lending we work tirelessly to help those buying a home in Texas to secure the right financing. With our 20+ years of experience, we take the time to partner with our clients unlike most lenders that sell an interest rate. We are committed to outstanding customer service,  being available, and transparent through the entire process. Our consultative approach will position you to get the "best deal" with the least amount of headaches. We know what pitfalls and issues that will come up and address them before a problem or delay occurs. We lean in when others run away or hide behind technology. Whether you are looking to purchase your first home, your last home, or an investment property we will be by your side the entire time.

Loan Products We Offer

  • Conventional Mortgage Loans
  • ​Reverse Mortgages (HECM)
  • First Time Home Buyer Loans
  • Investment Property Purchase Loans
  • ​Debt Consolidation Loans
  • ​Home Equity Loans
  • Veteran Home Purchase Loans
  • Rural Home Purchase Loans
  • Home Renovation Loans
  • ​Low and No Downpayment Home Purchase Loans
  • ​Self-Employed Purchase Loans
  • ​Fix and Flip Investment Property Loans
  • Conventional Mortgage Loans
  • First Time Home Buyer Loans
  • Investment Property Purchase Loans
  • ​Debt Consolidation Loans
  • ​Home Equity Loans
  • Veteran Home Purchase Loans
  • Rural Home Purchase Loans
  • Home Renovation Loans
  • ​Self-Employed Purchase Loans
  • Low and $0 Down Home Purchase Loans

Contact Us

Phone/Text: 512-535-2549        Email: travis@palmlending.net

yES, we do have a....
lOWEST INTEREST RATE GAURANTEE!
Not to toot our own horn but this company was built to be the most competitive on rates and fees as any mortgage company ever built! First, we run a very lean set of books. We are talking frugality here!!! Second, we don't lend "our own" money...we lend other lenders, banks, and credit unions  money. We don't mark up our loans, we give our customers the same rates offered to us. That's how we are able to offer a lowest interest rate gaurantee.
Buying Your First Home...
Like most "firsts" in life...it's stressful, frustrating, emotional, and scary. And just like in competition, when you succeed...

A MAGICAL AND TRULY REWARDING EXPERIENCE OCCURS!!!
As a team, we have all had our own unique experiences. These are a few nuggets of knowledge that we hope will help shape your journey to homeownership. 
AFFORDABILITY
When I was 14 I told my dad about the dream vehicle I wanted and all the cool things it could do. I could tell he enjoyed the story but he had some questions about how I was going to afford said dream vehicle. Who knows what garbage came out of my mouth next but in that conversation he taught me a lot about affordability. I learned wealth is when you can afford what you want. If I buy what I want which is more than I can afford, I am going the wrong direction. If buy what I can afford and what I need then I am positioning myself to afford what I want in the future.

I share this story because the biggest frustration most first time homebuyers express (like over 80%) is the painful reality that what they can afford is not what they want. Or that what they want they cannot afford.

That leaves them with 3 choices. 
1. Quit trying to buy and keep renting. 
2. Go to all lengths to FORCE it to happen. 
3. Shift to affordable options.

I wish the news was better but #3 is rarely in serious consideration.

CASH IS STILL KING
There is a thing in the mortgage business called first payment default risk. That is caused by someone that has no reserves or savings at the time of closing and it is likely they will not make their first payment. Sadly, this is the situation with a lot of first time homebuyers.

We think this is a bad business practice and reccommend our customers have a minimum of 3 months of mortgage payments in reserves.
Buyer BEWARE...You are your best advocate. So be an advocate!
Here is a hint...that doesn't mean you have to drive hard bargains.
For some reason there is this idea that when you buy a home you need to negotiate a price less than the seller is offering it for sale. Once negotiations are complete with the seller, the aim to "get the best deal" is now focused on everyone involved in the process. Asking realtors to reduce their commission, lenders to pay or remove fees, inspectors, appraisers, all being asked to reduce their income. 

That's not advocacy. It does not work.

Here is what advocating for oneself looks like. I know how much I make and I have my own budget. I know my budget is based on tested and true cash flow management principles. Even if I am approved for more I will not spend more. I will be in a position to move forward before I even begin. I will hire professionals based on trust.

Now go be your best advocate!
Accessing The Equity In Your Home
It's your money, it's not "working", and if you have a need for it, use it.
The biggest delima today is figuring out how to access the equity in the home and keep the 2.75% interest rate from 2020. There is only one way to do that. A second mortgage/lien. If this is what you are looking for we can help. Give us a call and we can walk you through our fast and easy process. 

For the other 80% of America, that 2.75% is about to be history. It stings at first but eventually it goes away. The opportunity or the benefit from accessing the equity outweights the interest rate. A client of ours recently accessed $150k in equity and saw his rate in the 2's go to the 6's. He was buying a business that would cashflow enough to cover his new mortgage. The sting was obviously short lived...

If your wanting to explore accessing the equity in your home, call us at 512-535-2549.
Your Name
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Super Cool Bonus #1
Super Cool Bonus #2
Super Cool Bonus #3
Summarize the benefits, the value of the bonuses and 
explain that the offer is so irresistible compared to the price!
Give a Strong Call To Action That this is A
limited time offer!
Give A 30 Day Money Back Guarantee
This helps people who are just on the edge of purchasing, to take the leap of faith since you put the risk back on you!
Now it's time for the....
The Closing Arguments
Summarize the great results, benefits, bonuses, and guarantee. Make sure you include some sort of scarcity or urgency. 

You can also do a sign off, like in an actual letter. 

Remember, you're just one funnel away...

-Russell Brunson
© Copyright 2024  - All Rights Reserved, Palm Lending LLC | NMLS# 164925
13801 Nutty Brown Rd. Austin, TX 78737 www.palmlending.net
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS ANDMORTGAGE LENDING 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEB SITE AT WWW.SML.TEXAS.GOV. 
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