I’m Justin Hrabovsky, a dedicated mortgage broker and founder of Rate Advantage, a mortgage brokerage committed to helping clients find the best loan solutions tailored to their goals. With over 20 years of experience in the mortgage and real estate industry, I’ve built a reputation for providing exceptional service and industry-leading loan options as one of the trusted mortgage lenders Austin relies on.

Originally from Houston, Texas, I’ve called the Austin area home since 1999. I’m proud to be part of a loving family, married to my college sweetheart, and raising three beautiful children. Outside of work, I enjoy golfing, live music, snowboarding, and traveling with my family. I also love contributing to my community through programs like the Local Guide Program, which keeps me connected to Austin’s vibrant lifestyle.

My passion lies in helping homeowners create wealth through real estate. Growing up in a family that rented and moved frequently, I was motivated to break that cycle by investing in real estate myself. Over the years, I’ve found great success in building family wealth through property, which fuels my desire to guide clients on their own journey to homeownership and financial security — something my clients appreciate when working with Justin Hrabovsky at Rate Advantage.

I’m proud to be ranked in the top 1% of all mortgage originators nationwide, and I’m the top 2 unit producer in Austin, Texas, as well as the #25 unit producer for purchase loans across the country. Leading a team of top-tier mortgage professionals, we are committed to delivering industry-leading loan terms and exceeding our clients’ expectations — a fact reflected in numerous positive reviews and recognition among top mortgage lenders Austin homeowners trust.

Whether you’re buying your first home, investing in real estate, or refinancing to unlock your financial potential, I, Justin Hrabovsky, am here to help you every step of the way through Rate Advantage and the support of our Local Guide Program.

At Rate Advantage, our mission is to deliver exceptional mortgage solutions tailored to your unique financial goals. Led by Justin Hrabovsky, we are dedicated to understanding your needs through active listening, leveraging our expertise and innovative technology to streamline the loan process, and ensuring transparent, timely communication. As one of the trusted mortgage lenders Austin relies on, our commitment to accountability, highly competitive pricing, honesty, and continuous improvement guarantees smooth, on-time closings with predictable costs. Through resources like our Local Guide Program, we stay connected to the community while continuing to refine and enhance the client experience. At Rate Advantage, we work hard to earn your trust and confidence so you can recommend us wholeheartedly.