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Austin Andruss, (NMLS ID 308649)

Austin Andruss

Sr. Loan Advisor NMLS ID: 308649

1902 Wright Place 2nd Floor

Carlsbad, CA 92008

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

As a Senior Mortgage Advisor at Flagstar Bank Home Loans, I help clients achieve their home-ownership dreams by providing them with tailored and competitive financing solutions. I have over 20 years of experience in the mortgage industry, and I am licensed by the National Mortgage Licensing System as NMLS 417490 and NMLS 308649.

I pride myself on delivering a high level of customer service and communication throughout the pre-approval and home purchase process. I work pro-actively with clients, real estate professionals, escrow, and internal team members to ensure smooth and on-time closings. I also build long-term relationships with clients and referral partners. We stay in contact after close so I can help them manage their mortgage on an ongoing basis. In 2020, I achieved a personal production of $60M. In 2021, I reached $52M. My goal is to be a trusted and reliable mortgage expert for my clients and partners.

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Pre-Qualifications
  • Professional Loans
  • Second Homes
  • VA Government Loans

Find the loan product that's right for you.

Are you looking to purchase a new property or refinance an existing one?

Today's Rate
Mortgage Rate APR
30-Year Fixed 6.984% 7.138% 1
15-Year Fixed 6.324% 6.570% 2
FHA 30-Year Fixed 5.771% 6.651% 3

1Rate 6.984% with an APR of 7.138% as of 6/21/2024 10:12 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,594. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

2Rate 6.324% with an APR of 6.570% as of 6/21/2024 10:12 AM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $2,068. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

3Rate 5.771% with an APR of 6.651% as of 6/21/2024 10:12 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,428. Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

Find the loan product that's right for you.
Spend a few moments to get a better idea of your bottom line. Are you looking to purchase a new property or refinance an existing one?

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Austin Andruss

Sr. Loan Advisor NMLS ID: 308649

1902 Wright Place 2nd Floor

Carlsbad, CA 92008

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