Contact Me

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Lara Rinier

Lara Rinier

Loan Officer

8300 N Mopac Expwy, Suite 125, Austin, TX 78759
Own what matters
Own what matters

About Me

I provide my clients, buyers agents, and builders personalized one-on-one services, making the mortgage process smooth and stress-free. I believe in working directly with my clients and referral partners to build long-lasting relationships, based on respect, loyalty, and trust. Client satisfaction is my absolute top priority. I close loans anywhere in Oregon, Texas, and Washington State. Helping a wide variety of borrowers, including first-time homebuyers, military families, and rural residents. 

On a personal note, I was raised in Northeast Texas and moved to Austin in 1998. I spent 3 years in beautiful Bend, Oregon and back to Texas. I live on a farm where we raise steer, sheep, pigs, and chicken. I love to mountain bike, hike, swim and play the guitar.  

I enjoy helping people navigate through the process of buying a home. I will be here every step of the way!

Read Blog

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Shelby
May 17, 2024
Verified

Lara has been incredible to work with! She is kind and attentive. She communicated well from start to finish and was always willing to answer our questions. I could not have asked for a better experience with a lender.
Anisha
Apr 29, 2024
Verified

Lara was incredibly helpful and knowledgeable throughout the entire process, making it easy for us to understand all the ins and outs of securing a mortgage. She was transparent about rates and fees, ensuring that we were able to make an informed decision. Her professionalism and dedication to finding the best solution for our specific needs really impressed us. Thanks to Lara, We are now proud homeowners and couldn't be happier with the outcome.
Patricia
Mar 05, 2024
Verified

Lara is very knowledgeable easy to work with. Answers any questions you may have. My closing was fast put an offer on a house February 9th closed February 29 th.
Philip K
Jun 07, 2023
Verified

Fantastic mortgage broker. I won’t be dealing with anyone else!
Philip
Jun 07, 2023
Verified

Lara and her team were fantastic! Always on top of everything and constantly notifying me of any issues that needed resolution. She pushed underwriting hard and we signed a week before closing to meet my schedule needs. I wouldn’t be a proud new homeowner without her amazing help.
Marty
Feb 14, 2023
Verified

Lara was professional communicative and patient - a delight to work with! We would recommend her without hesitation to others.April 11 2021

Video gallery

View More

Awards

awards

Causes I'm
passionate about

causes
NMLS ID #2067546
I am authorized to do business in the states of Oregon and Texas. OR ML-176;