San Antonio Mortgage

Finding the right San Antonio mortgage means more than just comparing rates — it’s about understanding your options, navigating the local housing market, and aligning your financial goals with the right loan structure. Whether you’re buying a first home in Alamo Heights, refinancing a property in Stone Oak, or exploring investment opportunities near the River Walk, having the right mortgage partner matters. Connect with us today to explore your personalized loan options.

Why San Antonio Is a Unique Market for Homebuyers

San Antonio offers a blend of historical charm and modern growth, making it one of the most attractive real estate markets in Texas. With strong military roots, a booming tech sector, and family-friendly communities, buyers here range from first-time homeowners to seasoned investors. Home values have steadily increased, yet the cost of living remains more affordable than in other major Texas cities. This makes choosing the right San Antonio mortgage even more important. Use our mortgage calculator to see what fits your budget.

Types of Mortgage Loans Available in San Antonio

Borrowers in San Antonio can choose from a wide variety of loan programs. Understanding the benefits and requirements of each option is key to selecting the right mortgage structure. Here are several popular loan types:

• Conventional Loans – Great for buyers with solid credit and down payment savings.
• FHA Loans – Lower down payment and credit flexibility make this ideal for many buyers.
• VA Loans – A top choice for active-duty service members and veterans, with no down payment required.
• USDA Loans – Available in eligible rural areas near San Antonio for 100% financing.
• Jumbo Loans – For high-value homes exceeding conforming loan limits.
• Non-QM Options – Bank statement, DSCR, and ITIN loans for unique income situations.

Our team helps you compare all available loan products based on your goals. Request a consultation today to get started.

Popular Neighborhoods and Home Price Trends

Neighborhoods like The Dominion, Alamo Ranch, and Terrell Hills offer diverse housing styles and price points. According to the San Antonio Board of REALTORS®, the median home price in the area continues to trend upward, reaching just over $300,000 in early 2025. Whether you’re targeting a move-in ready home in Northeast San Antonio or a fixer-upper downtown, knowing how pricing affects your borrowing power is crucial. Explore your loan options tailored to the area you want to live in.

Mortgage Pre-Approval vs. Pre-Qualification

In San Antonio’s competitive market, a full pre-approval gives you an edge over buyers who are only pre-qualified. A pre-approval shows sellers that your finances have been reviewed in depth and that you’re ready to move quickly. If you’re considering selling your current home and buying simultaneously, pre-approval is a must. Learn more about the home purchase process and how to get started.

First-Time Buyers and Relocation to San Antonio

Many buyers relocating for work at Joint Base San Antonio, tech campuses, or nearby colleges like UTSA choose to purchase rather than rent. First-time buyers should explore FHA, VA, and down payment assistance (DPA) options. DPA programs may help cover a portion of your upfront costs depending on eligibility. See how DPA can help and what programs might apply to you.

Refinancing a San Antonio Mortgage

With home values rising in areas like Leon Valley and Shavano Park, refinancing can help unlock equity or secure better terms. Popular refinance options include rate-and-term, cash-out, and streamline refinance (for FHA and VA borrowers). If you’re managing high-interest debt or want to fund a renovation, refinancing may be your next step. Compare refinance options today to see what’s possible.

Investment Property Loans and Second Homes

San Antonio is a growing hub for real estate investors. DSCR (Debt Service Coverage Ratio) loans and non-QM financing make it easier to qualify without traditional income documentation. Whether you’re buying a short-term rental near Six Flags or a long-term unit near downtown, we can help structure the right mortgage. Explore DSCR and other investor loan types.

Local Resources for San Antonio Homebuyers

Helpful resources include:

• San Antonio Board of REALTORS®
• City of San Antonio Neighborhood & Housing Services Department
• Bexar County_