Mortgage strategy, not just mortgage rates.
Anybody can quote you a rate. I build the plan around it — your monthly payment, your equity, your full financial picture. 23 years, $400 million funded, and the same person with you from your first question to the closing table. Serving the Texas Hill Country, Austin, and Greater Houston.
Choose your path
Not sure where to start? Pick the situation that fits best.
Buying your first home shouldn't feel like a test you never studied for. I've walked first-time buyers through every step since 2003 — and I'll walk you through yours, from first question to closing table.
Solid credit, 3% to 20% down, and a loan officer who's closed conventional files through every rate cycle since 2003. No drama — just a well-run loan.
Lower down payments, more forgiving credit guidelines, and a loan officer who's worked government-backed lending since 2003 — including the VA loans I used myself.
Take the quick quiz. No application, no credit pull. We point you to the best next step.
How I work
Here's what I've learned in 23 years: it's not about how much you make, it's about how much you keep. And it's not the cost of the home — it's the cost of the home on a monthly basis. A big bank gives you a rate. I give you a strategy, built around your full financial picture, not just a credit score algorithm. That means I'll show you the real numbers — payment, cash to close, what it does to the rest of your balance sheet — before you commit to anything.
I've seen this business from every angle since 2003 — national volume at Wells Fargo, banks, independent brokers, correspondent lenders, and now the largest mortgage broker in the country. That range is why the complicated files land on my desk: self-employed income, investors, veterans, buyers without a W-2 or a Social Security number. If another lender told you no, there's a good chance they just didn't know the product. I'm the same person with you from the first question to the closing table — not a rotating call center queue.
A real conversation about your goals, your income, and your timeline. No cost, no obligation, and no sales pitch — just an honest read on where you stand.
I'll lay out your options side by side with real numbers — monthly payment, cash to close, and what each path means for your bigger financial picture. You'll understand exactly why I'm recommending what I'm recommending.
I drive the file, keep you and your agent updated the whole way, and if something needs solving, I solve it. You walk away from the closing table actually understanding what you signed.
Meet your strategist
You'll work directly with Matt
No call centers, no hand-offs. When you work with The Mortgage Strategists, you get a 23-year veteran of this business — and an actual veteran — who's personally on your file from day one.
Matt Robertshaw
Matt has funded more than $400 million in home loans since 2003 — Arizona, 14 years in Houston, and now Dripping Springs and the Texas Hill Country. An 82nd Airborne veteran, he's built his business on one idea: strategy always wins. He lives in Dripping Springs with his wife Kimberly and their family.
What clients say
★★★★★ 5 average from 13 reviews
Matt was awesome! He was very patient with me and answered all of my questions. He was also very knowledgeable. He listened to what I wanted and needed and advised the best ways to meet my needs. I definitely recommend Matt to anyone looking to purchase a home.
My husband and I were recommended Matt when buying our first home and working with him was the biggest blessing. First of all he was very personable and took special care to get to know us in order to understand our situation and recommend our best options. He is EXTREMELY knowledgeable and it is so clear he loves what he does. We were so thankful that he was always promptly available when we had questions and he explained everything clearly and ensured our understanding so that we could make informed decisions. I can't imaging going through this process without Matt on our side!
Having done luxury real estate for over 20 yrs, Matt is right at the top in a job well done. His communication, being readily available and seamless process from start to finish was just outstanding! Highly recommend!
Matt was incredible to work with as I was navigating selling my home, downsizing and also purchasing an additional second home. He gave me lots of valuable advice and spent a lot of time talking through scenarios with me . When it came time to get a mortgage for my second home, they were able to get me a great rate and the process was very simple and quick. I would highly recommend working with him, as it made a challenging situation Much easier. I was able to close and sign the mortgage documents with an online notary, since I was In a different state From the Home I was purchasing. Everything went very smoothly.
Matt's team did an outstanding job guiding my wife and me through the purchase of our new home. They made the entire experience incredibly smooth and were always available to answer any questions we had along the way.
Matt was awesome in helping us to secure our loan for our new house. He is a gem, on your side!
Just when I was going to give up on the home buying journey I met Matt Robertshaw, and my hope was instantly restored so much so that I closed on my new home within 3 months of the new home buying experience. I purchased my dream home post a divorce, with some credit challenges, but with his guidance nothing seemed impossible. Matt and his team was very help every step of the way ensuring there was a solution to every challenge. More importantly he educated me and ensured I was well informed about the investment I was making. He worked endlessly from customizing videos for the builder, to watching the market interest rates and advising me creating videos to help understand was so helpful. All I can say is thank you thank you thank you... only referring and using Matt Robertshaw and his team for any and all home buying needs. So professional and truly care about what my goals were and helped me to achieve that not by being overzealous but realistic.
Great experience and would highly recommend Matt Robertshaw for your mortgage needs
Matt is very buttoned up and very informative. He gives great advice beyond just the mortgage process. He helps you determine how your decisions fit into your larger financial picture. I would recommend him to anyone considering a home purchase.
MR. Shaw did an amazing job of communicating with us and explaining the entire process. He explained the different options that we had and gave us the pro's and con's of each. Made things happen in a timely manner. Can't go wrong with this guy. I will be using you again on the next purchase. Thank you
Matt was amazing during this whole process he answered every question without me having to ask like he read my mind thank you Matt for going above and beyond to help me. I will forever use him as my lender. Words are not enough to tell how easy he made this. Thank you so much. Highly Highly recommended!
It was a pleasure working with Matt Robertshaw and his team. Great communication throughout the process and closed before our scheduled time. As a Realtor it is important to know your lender and their expertise
Matt was awesome! He was very patient with me and answered all of my questions. He was also very knowledgeable. He listened to what I wanted and needed and advised the best ways to meet my needs. I definitely recommend Matt to anyone looking to purchase a home.
My husband and I were recommended Matt when buying our first home and working with him was the biggest blessing. First of all he was very personable and took special care to get to know us in order to understand our situation and recommend our best options. He is EXTREMELY knowledgeable and it is so clear he loves what he does. We were so thankful that he was always promptly available when we had questions and he explained everything clearly and ensured our understanding so that we could make informed decisions. I can't imaging going through this process without Matt on our side!
Having done luxury real estate for over 20 yrs, Matt is right at the top in a job well done. His communication, being readily available and seamless process from start to finish was just outstanding! Highly recommend!
Matt was incredible to work with as I was navigating selling my home, downsizing and also purchasing an additional second home. He gave me lots of valuable advice and spent a lot of time talking through scenarios with me . When it came time to get a mortgage for my second home, they were able to get me a great rate and the process was very simple and quick. I would highly recommend working with him, as it made a challenging situation Much easier. I was able to close and sign the mortgage documents with an online notary, since I was In a different state From the Home I was purchasing. Everything went very smoothly.
Matt's team did an outstanding job guiding my wife and me through the purchase of our new home. They made the entire experience incredibly smooth and were always available to answer any questions we had along the way.
Matt was awesome in helping us to secure our loan for our new house. He is a gem, on your side!
Just when I was going to give up on the home buying journey I met Matt Robertshaw, and my hope was instantly restored so much so that I closed on my new home within 3 months of the new home buying experience. I purchased my dream home post a divorce, with some credit challenges, but with his guidance nothing seemed impossible. Matt and his team was very help every step of the way ensuring there was a solution to every challenge. More importantly he educated me and ensured I was well informed about the investment I was making. He worked endlessly from customizing videos for the builder, to watching the market interest rates and advising me creating videos to help understand was so helpful. All I can say is thank you thank you thank you... only referring and using Matt Robertshaw and his team for any and all home buying needs. So professional and truly care about what my goals were and helped me to achieve that not by being overzealous but realistic.
Great experience and would highly recommend Matt Robertshaw for your mortgage needs
Matt is very buttoned up and very informative. He gives great advice beyond just the mortgage process. He helps you determine how your decisions fit into your larger financial picture. I would recommend him to anyone considering a home purchase.
MR. Shaw did an amazing job of communicating with us and explaining the entire process. He explained the different options that we had and gave us the pro's and con's of each. Made things happen in a timely manner. Can't go wrong with this guy. I will be using you again on the next purchase. Thank you
Matt was amazing during this whole process he answered every question without me having to ask like he read my mind thank you Matt for going above and beyond to help me. I will forever use him as my lender. Words are not enough to tell how easy he made this. Thank you so much. Highly Highly recommended!
It was a pleasure working with Matt Robertshaw and his team. Great communication throughout the process and closed before our scheduled time. As a Realtor it is important to know your lender and their expertise
Matt was awesome! He was very patient with me and answered all of my questions. He was also very knowledgeable. He listened to what I wanted and needed and advised the best ways to meet my needs. I definitely recommend Matt to anyone looking to purchase a home.
My husband and I were recommended Matt when buying our first home and working with him was the biggest blessing. First of all he was very personable and took special care to get to know us in order to understand our situation and recommend our best options. He is EXTREMELY knowledgeable and it is so clear he loves what he does. We were so thankful that he was always promptly available when we had questions and he explained everything clearly and ensured our understanding so that we could make informed decisions. I can't imaging going through this process without Matt on our side!
Having done luxury real estate for over 20 yrs, Matt is right at the top in a job well done. His communication, being readily available and seamless process from start to finish was just outstanding! Highly recommend!
Matt was incredible to work with as I was navigating selling my home, downsizing and also purchasing an additional second home. He gave me lots of valuable advice and spent a lot of time talking through scenarios with me . When it came time to get a mortgage for my second home, they were able to get me a great rate and the process was very simple and quick. I would highly recommend working with him, as it made a challenging situation Much easier. I was able to close and sign the mortgage documents with an online notary, since I was In a different state From the Home I was purchasing. Everything went very smoothly.
Matt's team did an outstanding job guiding my wife and me through the purchase of our new home. They made the entire experience incredibly smooth and were always available to answer any questions we had along the way.
Matt was awesome in helping us to secure our loan for our new house. He is a gem, on your side!
Just when I was going to give up on the home buying journey I met Matt Robertshaw, and my hope was instantly restored so much so that I closed on my new home within 3 months of the new home buying experience. I purchased my dream home post a divorce, with some credit challenges, but with his guidance nothing seemed impossible. Matt and his team was very help every step of the way ensuring there was a solution to every challenge. More importantly he educated me and ensured I was well informed about the investment I was making. He worked endlessly from customizing videos for the builder, to watching the market interest rates and advising me creating videos to help understand was so helpful. All I can say is thank you thank you thank you... only referring and using Matt Robertshaw and his team for any and all home buying needs. So professional and truly care about what my goals were and helped me to achieve that not by being overzealous but realistic.
Great experience and would highly recommend Matt Robertshaw for your mortgage needs
Matt is very buttoned up and very informative. He gives great advice beyond just the mortgage process. He helps you determine how your decisions fit into your larger financial picture. I would recommend him to anyone considering a home purchase.
MR. Shaw did an amazing job of communicating with us and explaining the entire process. He explained the different options that we had and gave us the pro's and con's of each. Made things happen in a timely manner. Can't go wrong with this guy. I will be using you again on the next purchase. Thank you
Matt was amazing during this whole process he answered every question without me having to ask like he read my mind thank you Matt for going above and beyond to help me. I will forever use him as my lender. Words are not enough to tell how easy he made this. Thank you so much. Highly Highly recommended!
It was a pleasure working with Matt Robertshaw and his team. Great communication throughout the process and closed before our scheduled time. As a Realtor it is important to know your lender and their expertise
Matt was awesome! He was very patient with me and answered all of my questions. He was also very knowledgeable. He listened to what I wanted and needed and advised the best ways to meet my needs. I definitely recommend Matt to anyone looking to purchase a home.
My husband and I were recommended Matt when buying our first home and working with him was the biggest blessing. First of all he was very personable and took special care to get to know us in order to understand our situation and recommend our best options. He is EXTREMELY knowledgeable and it is so clear he loves what he does. We were so thankful that he was always promptly available when we had questions and he explained everything clearly and ensured our understanding so that we could make informed decisions. I can't imaging going through this process without Matt on our side!
Having done luxury real estate for over 20 yrs, Matt is right at the top in a job well done. His communication, being readily available and seamless process from start to finish was just outstanding! Highly recommend!
Matt was incredible to work with as I was navigating selling my home, downsizing and also purchasing an additional second home. He gave me lots of valuable advice and spent a lot of time talking through scenarios with me . When it came time to get a mortgage for my second home, they were able to get me a great rate and the process was very simple and quick. I would highly recommend working with him, as it made a challenging situation Much easier. I was able to close and sign the mortgage documents with an online notary, since I was In a different state From the Home I was purchasing. Everything went very smoothly.
Matt's team did an outstanding job guiding my wife and me through the purchase of our new home. They made the entire experience incredibly smooth and were always available to answer any questions we had along the way.
Matt was awesome in helping us to secure our loan for our new house. He is a gem, on your side!
Just when I was going to give up on the home buying journey I met Matt Robertshaw, and my hope was instantly restored so much so that I closed on my new home within 3 months of the new home buying experience. I purchased my dream home post a divorce, with some credit challenges, but with his guidance nothing seemed impossible. Matt and his team was very help every step of the way ensuring there was a solution to every challenge. More importantly he educated me and ensured I was well informed about the investment I was making. He worked endlessly from customizing videos for the builder, to watching the market interest rates and advising me creating videos to help understand was so helpful. All I can say is thank you thank you thank you... only referring and using Matt Robertshaw and his team for any and all home buying needs. So professional and truly care about what my goals were and helped me to achieve that not by being overzealous but realistic.
Great experience and would highly recommend Matt Robertshaw for your mortgage needs
Matt is very buttoned up and very informative. He gives great advice beyond just the mortgage process. He helps you determine how your decisions fit into your larger financial picture. I would recommend him to anyone considering a home purchase.
MR. Shaw did an amazing job of communicating with us and explaining the entire process. He explained the different options that we had and gave us the pro's and con's of each. Made things happen in a timely manner. Can't go wrong with this guy. I will be using you again on the next purchase. Thank you
Matt was amazing during this whole process he answered every question without me having to ask like he read my mind thank you Matt for going above and beyond to help me. I will forever use him as my lender. Words are not enough to tell how easy he made this. Thank you so much. Highly Highly recommended!
It was a pleasure working with Matt Robertshaw and his team. Great communication throughout the process and closed before our scheduled time. As a Realtor it is important to know your lender and their expertise
What I offer
I work with a wide range of loan programs — including the complex ones most lenders won't touch — so the product fits your situation, not the other way around.
Buying your first home shouldn't feel like a test you never studied for. I've walked first-time buyers through every step since 2003 — and I'll walk you through yours, from first question to closing table.
Solid credit, 3% to 20% down, and a loan officer who's closed conventional files through every rate cycle since 2003. No drama — just a well-run loan.
Lower down payments, more forgiving credit guidelines, and a loan officer who's worked government-backed lending since 2003 — including the VA loans I used myself.
I served in the 82nd Airborne Division. The VA loan isn't a product line to me — it's the benefit you earned, handled by someone who understands exactly what it cost you to earn it.
Much of the country living outside Austin's core — toward Wimberley, Dripping Springs' edges, and deeper into the Hill Country — sits in USDA-eligible territory most city lenders never check. I live in it.
Your accountant's job is to shrink your taxable income. A big bank punishes you for that. I qualify you on your real cash flow — bank statements, 1099s, or assets — the way it should work for business owners.
If the rent covers the payment, the deal can qualify — no tax returns, no employment verification, no explaining your eleven LLCs to a confused bank teller.
I help doctors across Hays County and the Austin medical corridor buy with little or no money down — even with student loans on the books and a signed contract instead of pay stubs.
HOA litigation, investor concentration, brand-new project — whatever made your condo non-warrantable, it's a building problem, not a you problem. I finance the condos most loan officers won't touch.
You locked your rate years ago and you've guarded it ever since. But if you're carrying credit card debt at 25%, you might be protecting the wrong number. I run the blended-rate math so you know — with certainty — whether a refinance actually helps.
Lakeway waterfront, Boerne acreage, The Woodlands executive streets — when the loan is bigger than Fannie and Freddie will touch, structure matters more than ever. I've built complex files for 23 years.
Finance the purchase and the improvements in one loan — based on what the home will be worth after the work, not what it looks like today. As a guy who spends weekends on his own projects, this is my kind of loan.
One loan that pays your builder in stages, then converts to a regular mortgage when the house is done. I live in Dripping Springs — custom builds are my home market, and I'll make the financing the boring part.
Your payment starts two percentage points below your note rate, steps up one point in year two, and settles at the full rate in year three — usually funded by the seller. I'll show you when it beats a price cut, and when it doesn't.
You kept your low first-mortgage rate for a reason. A HELOC or home equity loan lets homeowners in Hays County and across Texas access their equity while leaving that first mortgage exactly where it is.
No pressure, no jargon, no myths — just an honest explanation of how a reverse mortgage works, what it costs, and whether it fits your retirement, from a strategist who serves Hays County and the Texas Hill Country.
Texas has state and local programs built to help eligible buyers cover down payment and closing costs. I help buyers in Hays County and across Texas find out what they may qualify for — before they assume they can't buy.
Retired or wealthy on paper but light on W-2 income? Asset-depletion lending lets eligible borrowers in Hays County and across Texas qualify from savings and investments instead of a paycheck.
No U.S. credit history? Not a citizen? For eligible international buyers, foreign national loan programs make Texas real estate ownership possible — and I'll walk you through exactly how, in Hays County and across the state.
If you work, pay taxes, and file with an ITIN, homeownership may be within reach. I help ITIN borrowers in Hays County, Houston, and across Texas get straight answers — and taken seriously.
Where I lend
Based in Dripping Springs. Licensed in Texas, Florida & Indiana.
Hays County and the Texas Hill Country are home — the market I know street by street and tax rate by tax rate — and I spent 14 years originating in Greater Houston before that. But you don't have to be down the road to work with me: I can originate your mortgage anywhere in Texas, Florida & Indiana, and the whole process runs by phone, e-sign, and secure online tools.
A mortgage is licensed by the state the property is in — not by how close you are to my office. Wherever you're buying in TX, FL & IN, I can help.
See everywhere I serveTools and resources
Run the numbers yourself, or use these tools to get a head start before we talk.
Estimate your monthly mortgage payment with taxes and insurance.
See how much house you can afford based on your income and debts.
Calculate your savings and break-even timeline.
Compare the long-term costs of renting versus owning.