You Deserve a

Who Returns Your Calls.

Buying a home is stressful enough—you shouldn’t have to wonder if your lender is actually working on your file. I’m Gary Caples, a Texas-licensed loan officer and veteran with 18 years of experience, helping buyers and homeowners across Austin get clear answers, fast pre-approvals, and a mortgage process that stays on track. No jargon, no disappearing acts—just honest guidance and steady communication from someone who has helped hundreds of families reach closing day with confidence.

Why Clients Trust Us

18 Years Experience

Hundreds of families helped across Central Texas

Veteran-Owned

Proud to serve fellow veterans with VA loans

Austin Local

Living and working

in Pflugerville

NMLS #251360

Licensed in Texas

with Prodigy

Mortgage

Sound Familiar?

The Problem With Most Lenders

You’ve heard the horror stories—and maybe even experienced one yourself. The truth is, most mortgage frustration isn’t about the loan itself; it’s about poor communication, disorganized processes, and lenders who treat you like just another file number. That’s exactly why Prodigy Mortgage Brokers do things differently.

You apply, then hear nothing for days

You call your lender and get voicemail... again

You're "pre-approved" until suddenly you're not

Closing day arrives and there's a surprise no one told you about

You ask a question and get a confusing answer full of jargon

A Different Kind of

Mortgage Experience

I pick up the phone.

When you call or text, you'll hear back. Usually within a few hours, often faster. You shouldn't have to wonder if your lender got your message.

I explain things in plain English.

Mortgages are complicated enough. I'll break down your options clearly so you can make confident decisions. No jargon, no fine-print surprises.

I tell you the truth, even when it's not what you want to hear.

If something doesn't make sense for your situation, I'll say so. If there's a problem, I'll tell you right away, along with how we're going to solve it.

I stay on top of the details.

Mortgage files have a lot of moving pieces. I track every document, deadline, and condition so nothing slips through the cracks. My clients don't get surprised at closing because I catch problems before they become emergencies.

I close on time.

After 18 years, I know how to keep a file moving. When we set a closing date, I do everything in my power to hit it.

Whether You're Buying, Refinancing,

or Investing, We Got You!

First-Time Buyers

If you’re a first-time buyer feeling uncertain about the process, We will guide you through every step, clearly explain your options, and ensure you feel confident and informed.

Move-Up Buyers

Planning for more space or a better location? We will strategically guide you through the timing, coordinate seamlessly with your home sale if needed, and secure the right loan solution for your next chapter.

Veterans and Military

VA loans are my specialty, and as a fellow veteran, We proudly help service members maximize their earned benefits, including no down payment and no private mortgage insurance (PMI).

Homeowners Looking to Refinance

Looking to lower your payment, shorten your loan term, or access cash from your equity? We will analyze the numbers and provide guidance to determine whether refinancing is the right move—without pressure.

Real Estate

Investors

Building a rental portfolio? We offer investor-focused financing solutions, including Debt Service Coverage Ratio (DSCR) loans that qualify based on the property’s income performance rather than personal tax returns.

Three Proven Steps to Secure

Your Ideal Home and Mortgage

We Talk

Connect with us for a 15–20 minute conversation to discuss your goals, answer questions, and explore the best path forward—no application required.

You Get Pre-Approved

Once you’re ready, we’ll collect your documents and provide a solid pre-approval, often within 24–48 hours, so you’ll know exactly what you can afford and be prepared to make confident offers.

We Close

We guide you through underwriting, appraisal, and title, providing clear communication at every step so you’re fully prepared when closing day arrives.

Find the Right Loan for Your Situation

Not sure where you fit? Don't worry. That's what the first conversation is for.

Program

Best For

Down Payment

Conventional

Buyers with solid credit and stable income

As low as 3%

FHA

First-time buyers or those with lower credit

As low as 3.5%

Veterans, active military, and surviving spouses

0% for eligible borrowers

Jumbo

Higher-priced homes above conforming limits

Typically 10-20%

DSCR / Investor

Rental property investors

Typically 20-25%

Refinance

Homeowners seeking better terms or cash-out

Varies

Find the Right Loan for Your Situation

Not sure where you fit? Don't worry. That's what the first conversation is for.

What Clients Say

Don't Just Take My Word For It

When applying for a home loan it's a time consuming and stressful ordeal - but having "Supreme Lending" and "Loan Officer - Gary Caples" on your side really can make the process a much easier and less stressful business transaction.

Carl and April Kearney

Gary Caples, My Mortgage Consultant was very patient and tireless in his mission to get my loan underway. Always there to answer a question and kept me informed about the process and the timelines.

Jeremy Johnson

“After moving to Austin from Los Angles, we were job hunting and planning to get married. During a very stressful time in our lives, Gary’s expertise, hard work and patience with us made our home buying experience very smooth and positive.”

Andy Molloy

Proudly Serving Austin and

Central Texas

I work with buyers and homeowners across the Austin metro area and

assist with buying or refinancing anywhere in Texas—let’s talk.

Austin

Cedar Park

Round Rock

Pflugerville

Georgetown

Hutto

Leander

Manor

Kyle

Buda

Proudly Serving Austin and

Central Texas

I work with buyers and homeowners across the Austin metro area and

assist with buying or refinancing anywhere in Texas—let’s talk.

Austin

Cedar Park

Round Rock

Pflugerville

Georgetown

Hutto

Leander

Manor

Kyle

Buda

About US

A Little About Me

I'm Gary Caples, a Texas-licensed loan officer with Prodigy Mortgage. I've spent 18 years helping people navigate the mortgage process, and I'm also a veteran who specializes in VA loans.

I live in Pflugerville, right in the heart of the area I serve. When you work with me, you're not getting a call center or a faceless institution. You're getting me: someone who picks up the phone, explains things clearly, and treats your loan like it matters. Because it does.

Worried You Won't Qualify?

Let's Talk About It.

My credit isn't perfect. Can I still buy a home?

Absolutely. You don’t need perfect credit to become a homeowner. Many loan programs are designed to work with credit scores in the 580–660 range. We will provide an honest assessment of where you currently stand and walk you through all available options.

I don’t have 20% saved for a down payment. Is that a dealbreaker?

Not at all. In fact, most buyers do not put 20% down. Depending on your specific situation, down payments can be much lower:

1. VA Loans: As low as 0% down.

2. Conventional Loans: As low as 3% down.

3. FHA Loans: As low as 3.5% down.

I’m self-employed. Can I still qualify for a mortgage?

Yes. Self-employed borrowers, business owners, and freelancers can definitely get mortgages. While the process requires a specific documentation strategy, We have extensive experience helping entrepreneurs successfully navigate the requirements to secure a loan.

I’ve been turned down for a loan before. Should I even try again?

Yes, let’s take another look. Being turned down once doesn’t mean the answer is always "no." Often, it’s simply a matter of finding the right program, the right timing, or the right lender. We can look at your situation with fresh eyes to find a path forward.

I don’t understand how this process works. Where do I start?

That is exactly why we're here. No question is too basic or "silly." Our job is to guide you through every step of the journey and explain everything in plain English until you feel confident and informed.

Ready to Get Started?

The first step is simple: a conversation. We'll talk about your goals, We'll answer your questions, and we'll figure out the best path forward. No obligation. No pressure. Just honest guidance.