"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 living in Texas to find the right financing options for their home purchase or refinance. With our 30+ years of combined experience, we understand that no two home buyers are the same and we are experts at finding the right loan options for you. We dedicate ourselves to delivering outstanding customer service through a consultative approach by providing all the information needed to make the best financial decision.
Whether you are looking to purchase your first home or take the equity out of your home we will discuss your overall financial goals and present you with multiple solutions. A trusted advisor is what you need and what you are looking for. We look forward to being your trusted advisor. 

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
yES, we do have a....
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...

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. 
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.

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
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque ut enim mollis, elementum est vitae, porttitor mauris.

In hac habitasse platea dictumst. Vestibulum vestibulum consequat magna, at auctor magna eleifend ac. Sed varius nulla vitae est malesuada, at egestas elit semper. 

Morbi eget faucibus urna.

Sed ultrices consectetur rutrum. Nullam commodo dolor in elementum molestie. Curabitur ornare accumsan turpis at fermentum. 
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
Meet the Team
Collaboration is our culture. We share and help one another.

Travis Palm

When Travis started in the mortgage business he was handed a list of phone numbers, an empty desk, a phone, and told "Good Luck". He didn't know what a mortgage was or how to do one but he picked up the phone and began his career. He built a $100 million a year mortgage company purley off grit and grind. He's loved by his clients and his phone never stops ringing. 

Travis and his beautiful family live in Driftwood Texas. They are very involved in the school, the community and when Travis is in town, he can be found at the Dripping Springs High School cheering on the Dripping Tigers Football Team!

He is an avid runner and is currently running a marathon each month for the next 5 months. Because he's 48 and in the best shape of his life. He loves running on trails and being outdoors. He bought a sprinter van a few years ago loves to take short trips to the Texas coast and the Rocky Mountains.

Travis is the Founder, Principal Owner, and CEO of Palm Lending LLC. Although he still originates loans for past clients and family he's focused on leading the company. Even in times of economic uncertainty he's always looking for opportunities that his customers can gain value you from. 

Contact Information

Chris Motal

After college Chris went to work for Morgan Stanley and became a licensed Financial Advisor. He recognized that many soon to retire couples had neglected their retirement accounts and allowed their consumer debt to get out of control, hindering their ability to save. They needed a solution so he studied and researched until he found the perfect solution to help his clients reach their goals. At the time Morgan Stanley offered a home equity loan product for homeowners so he used that product to help his customers pay off all their conusmer debt and fund their retirement accounts. This strategy earned him the award of Top Lender at Morgan Stanley. What you need to know about Chris is he is a serial problem solver. He always looks for problems to solve and never quits. He believes the glass is half full and there is always a solution. He has always worked tirelessly to find a path forward for his clients and how they can achieve their goals.

His favorite qoute is from Zig Ziglar and it is how he lives.

"If you help enough other people get what they want in life, you will have everything you want in life." 

Chris now helps his clients to build wealth through real estate. He works with entreprenuers and business owners to diversify their assets by investing in residential and commercial real estate. And he helps seniors take advantage of reverse mortgages to increase their cash flow in retirement giving them the best last years of their life.

You'll find Chris at CrossFit 4+ days a week and at church on Sunday's. He's a devote Catholic and a man of unwavering faith. He has 2 daughters that compete in cheerleading, swim, and volleyball. His wife works full time, subs at the elementary school, teaches pilates, and coaches a cheer squad. 

Chris loves the outdoors and being with nature. He loves to hunt, fish, camp, and hike. He looks for every opportunity to be outside regardless of the weather. If you don't hear back from him for several hours it's probably because he has no cell phone signal!

Contact Information

© Copyright 2023  - All Rights Reserved, Palm Lending LLC | NMLS# 164925
13801 Nutty Brown Rd. Austin, TX 78737 www.palmlending.net
Contact | Privacy Policy | Terms & Conditions | Customer Service (512) 535-2549