Hopefully the information you have received from these real estate agents has served you well.
I am a lender here in Texas. When that time comes, I would love an opportunity to show you some financing options. Our rates are excellent for that price range and our service is second to none.
Feel free to research my recommendations on this site and my company, First Cal Mortgage.
Hope to hear from you soon.
Vino Alonzo, Loan Officer
First Cal Mortgage
Central Austin would be a great area. It's an easy commute to UT, there are beautiful homes in your price range and great schools as well. NW Austin would also be a good area. It's a long way to January so it would be too early to start looking now, homes are selling fast. However, if you want, I can send you some listings to give you an idea what you can buy for the money and where. Contact me by email or phone.
Sierra Homes Realty
January is an excellent time to move to Austin because the housing market moves a tad slower. Right now, good houses are selling fast and often over asking. For your price range, commute to UT, and school needs for kids, I recommend these neighborhoods, Mueller, Rosedale, Allandale, Hyde Park. These are all within short commutes to the University and have near by exemplary schools. Although these neighborhoods are older, many are remodeled or have been torn down to the studs and rebuild. I specialize in central neighborhoods. If you'd like to begin browsing neighborhoods, you can set up a search at http://www.corehomesaustin.com
Best of luck in your move,