About Me
In 2011 Karen joined Sente Mortgage as the Austin Regional Manager. She brings three decades of mortgage and leadership experience to the team. During this time Karen has seen many challenges and opportunities in the Austin market. With a clear understanding of what Realtors need, Karen enjoys helping her clients beat the competition to get their offer accepted.
Things to know about Karen:
- Karen served as the 2016 President of the Austin Mortgage Bankers Association and was the recipient of the Kenton Brown Distinguished Service Award in 2017.
- She enjoys speaking in the community on topics that include financial literacy, business development, and leadership.
- Karen has worked for several years with a team that includes her Production Partner, Tammy Hall and is fully supported by a staff of local underwriters and closers.
Karen is able to provide the following types of financing;
- Conventional, FHA, and USDA Loans
- VA and Texas Vet loans for Veterans
- Construction loans for custom homes
- Construction loans to remodel
- Financing for Investment Properties
Top 5 Reasons to Work With Karen Elliott – Sente Mortgage
For homebuyers across Central Texas and beyond, finding a mortgage lender with true depth of experience can make all the difference. Karen Elliott and her team at Sente Mortgage have spent more than 35 years helping families build wealth through homeownership—from first-time homebuyers in Round Rock and Pflugerville to seasoned investors building custom homes in the Hill Country. A past president of the Austin Mortgage Bankers Association and a recognized leader in the lending community, Karen pairs decades of expertise with a genuine belief that owning a home is one of the most powerful financial decisions a family can make. Here’s why homebuyers throughout Texas keep choosing her.
1. More Than 35 Years of Mortgage Industry Leadership
Very few Mortgage Bankers in Texas can match Karen Elliott’s tenure and track record. With over 35 years in the mortgage industry, she and her team have navigated every market cycle, lending regulation, and interest rate environment imaginable—and used that experience to deliver smarter strategies for their clients. Karen isn’t just a veteran Mortgage Banker; she’s an industry leader who has invested heavily in advancing the profession, including serving as president of the Austin Mortgage Bankers Association and earning the organization’s prestigious Kenton K. Brown Award for outstanding service to the mortgage banking community.
2. A Proactive Advocate Who Helps You Win the Home You Want
Karen’s role doesn’t end at locking in a great rate. She and her team actively advocate for their clients throughout the entire buying process—including reaching out to listing agents to position homebuyers as the strongest, most qualified buyers in a competitive offer situation. In markets like Austin, Georgetown, Lakeway, and Dripping Springs, where multiple-offer scenarios are common, that kind of proactive lender communication can be the difference between winning and losing the home you love. Karen’s five-star reputation in the Texas real estate community gives her clients a credibility advantage that homebuyers working with lesser-known lenders simply don’t have.
3. Communication That Answers Your Questions Before You Ask Them
Karen’s philosophy on communication is simple: you should never have to wonder what’s happening with your loan. She makes it her goal to anticipate her clients’ questions and address them proactively—including the questions most homebuyers don’t even know they need to ask. Past clients consistently describe her as friendly, thorough, and quick to respond. Whether you’re a first-time homebuyer learning the process for the very first time or a repeat client building a custom home, Karen and her team ensure you feel informed and confident from your first conversation through closing day.
4. Statewide Reach With Deep Central Texas and Hill Country Expertise
Karen and her team serve homebuyers across a wide stretch of Texas—from Austin, Round Rock, Pflugerville, and Georgetown through the Hill Country communities of Wimberley, Dripping Springs, Marble Falls, Llano, Fredericksburg, and Johnson City, and extending to Killeen, Temple, Waco, Dallas–Fort Worth, San Antonio, New Braunfels, San Marcos, Buda, Kyle, and the Houston and Galveston areas. That broad reach is backed by genuine local knowledge, particularly across Williamson, Comal, and Bexar counties, where she understands the pricing dynamics, appraisal landscapes, and builder relationships that shape every transaction. Her long-standing presence in these markets means agents and title professionals already know and trust her team.
5. A Passion for Financial Literacy, Backed by Sente Mortgage — Your Lender for Life
Karen got into the mortgage business because she believes deeply that homeownership is a cornerstone of financial stability and family well-being—a conviction backed by data showing homeowners are roughly 40 times wealthier than renters. That belief extends well beyond her day-to-day lending work. Karen is a sought-after speaker and educator who has taught classes and written about financial literacy, with a particular passion for teaching kids and families about money. When you work with Karen, you’re not just getting a Mortgage Banker—you’re getting a trusted advisor who wants to see your entire financial picture improve for years to come. Behind her is the strength of Sente Mortgage, whose integrity, commitment to five-star service, and wide range of loan products give Karen and her team the tools to deliver at the highest level. And because Sente originates and services nearly all of its Conventional loans in-house, your loan stays right here with Karen and her team. That means they already know you and your financial picture when it’s time for your next purchase, refinance, or any other home financing need—making your next loan even quicker and smoother. Karen isn’t just your Mortgage Banker today; she’s your lender for life.
Ready to Take the Next Step Toward Homeownership?
Whether you’re buying your first home in Pflugerville, building in the Hill Country, investing in property across Central Texas, or refinancing in the Dallas–Fort Worth area, Karen Elliott and her team at Sente Mortgage bring 35+ years of expertise, a five-star reputation, and a genuine commitment to your long-term financial success. Contact Karen today and experience the difference a dedicated Mortgage Banker makes.
Jennifer Lourence
Production Partner
NMLS ID: 517149
Jennifer.Lourence@SenteMortgage.com
Learn More about Jennifer Lourence
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Contact
- 4520 Burnet Road
Austin, TX 78756
- Email: Karen.Elliott@SenteMortgage.com
- Operating Hours: Monday - Friday
8:30 AM - 5:30 PM