Business Details
19 Years
experience
Your Trusted Mortgage Partner in Austin, TX
Founded in 2007, Sente Mortgage has established itself as a trusted mortgage banking institution headquartered in Austin, Texas. Our core philosophy centers on building lasting relationships with clients while delivering exceptional service and expertise. With thousands of organic 5-star Google reviews, we demonstrate a proven track record of customer satisfaction and operational excellence. Our team of seasoned professionals brings decades of combined experience in mortgage lending, ensuring clients receive tailored solutions that align with their financial goals. We specialize in a comprehensive range of mortgage products, including VA loans, FHA loans, refinancing options, and commercial lending, serving communities across Texas, Oklahoma, Arkansas, Georgia, and South Carolina.Our commitment to transparency and ethical practices has solidified our reputation as a reliable partner in the home financing journey. By prioritizing client education and financial literacy, we empower individuals to make informed decisions about their homeownership aspirations. Our streamlined loan process, supported by advanced digital tools, ensures a seamless experience from pre-qualification to closing. Recognized for our innovative approach and customer-centric culture, we continue to grow while maintaining our founding principle: creating financial possibilities for every client we serve.
Services
VA Loans
FHA Loans
Refinancing
HELOC
Commercial Lending
Details
- Year established: 2007
Highlights and features
- We offer 15+ years of mortgage banking expertise in Texas markets
- Our team provides personalized loan solutions for diverse financial situations
- Thousands of 5-star reviews validate our exceptional customer service
- We specialize in complex loan scenarios including VA and FHA programs
- Local presence with offices in five states ensures personalized support
What people say
Exceptional service
Knowledgeable staff
Smooth process
Competitive rates
Quick approvals
Services
VA Loans
Specialized mortgage solutions for veterans and military families. These government-backed loans offer zero down payment options, competitive rates, and no monthly mortgage insurance. Our experts guide veterans through the entire process, from certificate of eligibility to closing, ensuring they receive the benefits they've earned through military service.
FHA Loans
Affordable home financing options for first-time buyers and those with lower credit scores. These loans require as little as 3.5% down payment while maintaining competitive interest rates. Our team specializes in helping clients navigate FHA guidelines to achieve homeownership with more flexible qualification requirements.
Refinancing
Strategic mortgage refinancing solutions to reduce monthly payments, access home equity, or shorten loan terms. We offer conventional refinancing, cash-out options, and streamline programs for existing VA loans, helping clients optimize their financial position through expert rate analysis.
HELOC
Flexible credit line solutions secured by home equity. Our digital HELOC process provides quick access to funds (up to $400,000) without appraisal requirements. Ideal for home improvements, debt consolidation, or major life expenses while maintaining existing low-rate mortgages.
Commercial Lending
Tailored financing solutions for commercial real estate investments. We support property acquisitions, refinancing, and development projects with competitive terms and dedicated relationship management, serving investors and business owners seeking commercial property financing.
People
Tom Rhodes
Founder & CEO
With over 20 years in real estate and mortgage industries, Tom Rhodes leads Sente Mortgage's strategic vision. He focuses on customer success, business development, and creating sustainable systems for loan officers while maintaining the company's core values.
Questions
What mortgage loan options do you offer?
We provide VA loans, FHA loans, conventional mortgages, refinancing options, HELOCs, and commercial lending solutions tailored to individual financial situations.
Do you offer first-time homebuyer programs?
Yes, we specialize in first-time homebuyer assistance with low down payment options and flexible qualification requirements through FHA and conventional loan programs.
Can I refinance my existing mortgage?
We offer multiple refinancing options including rate-and-term refinancing, cash-out refinancing, and VA streamline programs to help reduce payments or access equity.
What credit score do I need for a mortgage?
Minimum credit score requirements vary by loan type, with FHA loans accepting scores as low as 580 for maximum financing benefits.
How long does the mortgage process take?
Our streamlined process typically closes loans within 30-45 days, with specialized programs like our digital HELOC funding in under two weeks.
Do you service loans after closing?
Yes, we maintain in-house loan servicing for ongoing support, payment processing, and customer account management throughout the loan term.
