Recommended Lenders
Finding the right lender is just as important as finding the right home. The professionals listed below are people I have personally worked with or have established relationships with in the local real estate community. Each one brings experience, reliability, and a commitment to helping buyers navigate the mortgage process with confidence.
Understanding the Lending Process
Choosing the right lender is one of the most important decisions you will make during the home buying process. Your lender determines your interest rate, loan terms, closing costs, and overall experience from application to closing. Working with someone experienced, communicative, and reliable can be the difference between a smooth transaction and a stressful one.
The first step in the mortgage process is pre-approval. During pre-approval, the lender reviews your income, credit history, debt obligations, and assets to determine how much you can borrow and at what rate. A pre-approval letter tells sellers that you are a serious, qualified buyer — and in a competitive market, it can be the difference between getting your offer accepted and losing out to another buyer.
There are several loan types available to buyers in Texas. Conventional loans are the most common and typically require a minimum of 3-5% down. FHA loans are popular with first-time buyers and require as little as 3.5% down with more flexible credit requirements. VA loans offer zero down payment for eligible veterans and active-duty service members — a significant benefit for the military families I frequently work with. USDA loans are available in certain rural areas and also offer zero down payment options.
The lenders listed on this page are professionals I have personally worked with on transactions in the New Braunfels and San Antonio area. They are responsive, knowledgeable, and committed to helping buyers navigate the mortgage process with confidence. I encourage you to reach out to multiple lenders to compare rates and terms before making a decision.
If you are unsure where to start or which loan type might be best for your situation, I am happy to help you think through your options and make an introduction to the lender who best fits your needs.
Frequently Asked Questions About Mortgage Lending
How do I know which loan type is right for me?
The best loan type depends on your financial situation, down payment amount, credit score, and whether you qualify for special programs like VA or USDA loans. A good lender will walk you through the options and help you understand the trade-offs of each. I can also help you think through which loan types make sense before you start the application process.
Should I get pre-approved before I start looking at homes?
Yes. Getting pre-approved before you start your home search is strongly recommended. Pre-approval tells you exactly how much you can afford, which helps focus your search and prevents you from falling in love with a home outside your budget. It also strengthens your offer when you find the right property — sellers take pre-approved buyers more seriously.
Does it cost anything to get pre-approved?
Most lenders offer pre-approval at no cost. The lender will pull your credit and review your financial documents, but there is typically no fee unless you proceed to a full loan application. It is a smart first step that costs nothing and gives you a clear picture of your buying power.
Need Help Getting Pre-Approved?
I can connect you directly with any of these lenders and help coordinate the process from pre-approval to closing.