the barefoot mortgage group

What the barefoot mortgage group does

The Barefoot Mortgage Group, LLC is a Texas-based, privately held residential and commercial mortgage lender headquartered at 5900 Balcones Drive, Ste 10686, Austin, Texas (NMLS #2460092). The company is led by President Steven Wilson (NMLS# 911947) and originates purchase and refinance mortgages for Texas consumers, with a stated "20 Years of combined Mortgage, Finance, Commercial Banking, and Construction & Development" experience base across the team.

The company offers a broad residential product suite spanning Fixed Rate Mortgages (15- and 30-year terms), FHA, VA, USDA, Conventional, Jumbo (up to $5,000,000 with as low as 10% down), Rehab/renovation loans (FHA 203(k), VA Renovation, USDA renovation), first-time homebuyer programs, low-down-payment options, investment property loans, and refinance products (rate-and-term, cash-out, VA IRRRL, FHA Streamline, USDA Streamline). Technology is primarily a third-party loan application platform (ShapePortal) accessed via barefootmortgage.shapeportal.com, supplemented by an on-site mortgage calculator, a multi-step intake questionnaire, and a 27-article learning center.

The revenue model is transaction-based: the company does not charge processing, origination, or lender fees, and instead earns revenue through the interest spread on originated loans. Go-to-market is direct-to-consumer plus inside sales, combining SEO-optimized educational content, real estate agent referrals, online quote/application self-serve, and direct text and phone access to the loan officer. Customer segments span first-time homebuyers (primary), veterans and active-duty military, rural/suburban USDA-eligible buyers, and real estate investors, all concentrated in the Texas market.

Name

the barefoot mortgage group

Legal name

The Barefoot Mortgage Group, LLC

Website

https://barefootmortgage.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

The Barefoot Mortgage Group is a privately held, Texas-focused residential and commercial mortgage lender based in Austin that originates purchase and refinance loans for Texas consumers, offering FHA, VA, USDA, Conventional, Jumbo, and Rehab products with no processing or origination fees.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Consumer Direct / Online Mortgage Origination (FSALAAAB)

akta.pro secondary industries

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD), Rate-and-Term Refinance Origination (FSALAAAE), First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

Keywords

• Residential mortgage lending
• Mortgage brokerage
• Home loan origination
• Refinance services
• VA loan programs

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mortgage Origination and Lending: The company originates mortgage loans and earns revenue through interest spread on financed loans. They explicitly advertise No Processing or Origination Fees, suggesting revenue is primarily interest-based rather than fee-based.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

The Barefoot Mortgage Group originates residential and commercial mortgage financing for Texas consumers, including purchase loans and refinancing. Its product portfolio spans fixed-rate, FHA, VA, USDA, Jumbo, Rehab/renovation, investment property, and first-time homebuyer programs, supported by an online application portal, mortgage calculator, and an education-based content strategy. The company earns revenue primarily through interest spread on originated loans while advertising no lender, processing, or origination fees.

Product overview

The Barefoot Mortgage Group operates as a Texas-based mortgage brokerage offering a comprehensive suite of residential and commercial loan products. The company's core offerings center on government-backed mortgage programs including FHA loans, VA loans, USDA loans, and conventional mortgages. Their product portfolio includes Fixed Rate Mortgages (15-year and 30-year terms), Jumbo Home Loans (up to $5 million), Investment Property Loans, and specialized First Time Home Buyer programs. The company differentiates through its Rehab Loan products (FHA 203(k), VA Renovation, USDA renovation) that combine purchase/construction with renovation financing. Supporting tools include an online mortgage calculator and ShapePortal-based application system. All loan products are offered through their Texas-based operations with NMLS #2460092 licensing.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Mortgage Traditional mortgage product with a fixed interest rate throughout the loan term, available in 15-year and 30-year terms with consistent monthly payments for Texas homebuyers and refinancers.
• FHA Home Loan Government-backed mortgage insured by the Federal Housing Administration allowing home purchases with as little as 3.5% down payment and credit scores down to 620; usable to buy or build a home.
• VA Home Loan Zero down payment mortgage for eligible military service members, veterans, and their spouses, backed by the Department of Veterans Affairs with flexible fixed or adjustable rate options and credit scores down to 580. Includes VA purchase, VA construction, and VA IRRRL streamline refinance.
• Rehab Loan Construction and renovation financing including FHA 203(k) Renovation Loan, VA Renovation, and USDA renovation programs that allow buyers to finance the purchase or construction of a home plus renovation costs in a single loan.
• USDA Loan Rural housing loan program backed by the U.S. Department of Agriculture offering 0% down payment options for eligible properties in suburban and rural Texas areas.
• Jumbo Home Loan Large mortgage loans exceeding the Fannie Mae/Freddie Mac conforming limit ($766,500 in Texas for 2024), available with fixed or adjustable rates and financing up to $5,000,000 with as little as 10% down for luxury and high-end home purchases.
• First Time Home Buyer Program Specialized mortgage program and assistance for first-time homebuyers including pre-qualification, loan matching, and access to limited and no down payment grant programs.
• Low Down Payment Purchase Options Collection of mortgage programs requiring minimal down payments, including FHA (3.5%), USDA (0%), VA (0%), and conventional loans with as little as 3% down.
• Investment Property Loans Mortgage financing for vacation homes and investment properties offered with 30-year and 15-year loan options; requires a minimum 20% down payment for investment properties.
• Refinance Mortgage refinance options including rate-and-term refinancing, cash-out refinancing, VA IRRRL, FHA Streamline, and USDA Streamline programs to help homeowners lower payments or access equity.

Quantifiable outcome

• Finance up to $5,000,000 with as little as 10% down for jumbo loans
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Real Estate Agent NetworkcoreChannel Partner/ Reseller/ DistributorThe company maintains a network of real estate agent partnerships through which they match pre-qualified buyers with agents. This referral system benefits both the mortgage company (generating leads) and the agents (receiving pre-qualified clients).
• ShapePortalcoreTechnology or IntegrationThird-party online mortgage application platform (ShapePortal) used for customer loan applications. Referenced in footer links as the application portal.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Veterans United Home Loans: Veterans United Home Loans is a consumer mortgage lender with a pronounced VA and military focus, serving active-duty members, veterans, and spouses. It overlaps directly with Barefoot's VA offering and zero-down military segment.
• Rocket Mortgage: Rocket Mortgage is a large direct-to-consumer mortgage lender with online application, education, and purchase and refinance capabilities. Its digital self-service model is closely comparable to Barefoot's website, calculator, quote, and application funnel.
• Better Mortgage: Better is a digital-first consumer mortgage lender emphasizing online applications and a streamlined borrowing experience. It is comparable through the same online direct-to-consumer acquisition and application model, although it operates at materially greater scale.
• loanDepot: loanDepot is a consumer mortgage lender offering purchase, refinance, and government-backed products through digital and loan-officer channels. Its product breadth and borrower distribution make it a direct category and business-model peer.
• New American Funding: New American Funding is a retail mortgage lender serving homebuyers with conventional and government-backed programs, including low-down-payment options. It overlaps with Barefoot's first-time buyer, FHA, VA, and USDA focus.
• Fairway Independent Mortgage Corporation: Fairway Independent Mortgage is a retail mortgage lender with broad home-loan programs and loan-officer support. It is comparable to Barefoot's personalized concierge service and broad program menu.
• Guild Mortgage: Guild Mortgage is a consumer home-finance lender with a broad product offering and retail and loan-officer distribution. It is comparable in purchase and refinance breadth and assisted borrower experience.
• Movement Mortgage: Movement Mortgage is a consumer mortgage lender providing purchase and refinance products through originators and digital tools. It is comparable through the same consumer borrower base and assisted-plus-digital distribution model.
• CrossCountry Mortgage: CrossCountry Mortgage is a national mortgage lender with a broad home-loan product set and retail distribution. It is a relevant scaled category peer, although it is less Texas-specific.

Broad incumbents

• United Wholesale Mortgage: United Wholesale Mortgage is a large nonbank mortgage lender primarily serving originators through wholesale channels. It is a broad incumbent in mortgage finance and overlaps in origination infrastructure, while its wholesale go-to-market differs from Barefoot's direct-to-consumer model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/the-barefoot-mortgage-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about the barefoot mortgage group