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GREATER SAN ANTONIO

Mortgage broker in Boerne, TX.

Conventional, FHA, VA, USDA, Jumbo, and Non-QM lending across Greater San Antonio. Same loan officers from soft-pull pre-qualification to clear-to-close.

  • Local Greater San Antonio lender — fast pre-qualification, no surprises
  • Conventional, FHA, VA, USDA, Jumbo, and Non-QM under one roof
  • Texas-only focus. Q Mortgage LLC, NMLS #2567464
Local snapshot

Boerne mortgage market at a glance

Conforming limit
$806,500
2026
FHA single-family
$568,100
Kendall County
Population
21,000
2024
Why buyers choose Q Mortgage

Mortgages, built around Boerne.

Boerne sits in the Texas Hill Country along the Guadalupe River corridor, drawing buyers who want small-town character without losing easy access to the Greater San Antonio metro. If you work at USAA, Valero, or one of the major medical systems on the north side of San Antonio, Boerne puts you in the Boerne Independent School District while keeping your commute manageable. Q Mortgage (NMLS #2567464) is a Texas-licensed mortgage broker that works the Kendall County market regularly and can match you with the right loan structure from the first conversation.

Try it

How much home can you afford in Boerne?

Adjust the inputs to see your max purchase price, target monthly payment, and front-end/back-end DTI. Tied to the same calc engine our loan officers use.

Gross household income

Cards, auto, student loans

Cash you have available

Texas avg ~2.0%

36 %

36% = conservative, 43% = QM, 50% = aggressive

Max home price
$297,897
Max monthly payment (PITI + PMI)
$2,400.00
Payment breakdown
Principal & interest
$1,639.80
Property tax
$496.49
Home insurance
$150.00
PMI
$113.71
DTI ratios
Front-end (housing)
30.3%
Back-end (housing + debts)
36.0%
Loan summary
Loan amount
$272,897
LTV at origination
91.6%
Cash to close (est.)
$33,937

Enter your contact info to download the PDF summary.

Estimate only. Lenders evaluate credit score, employment history, asset reserves, and loan program in addition to DTI. Cash-to-close uses a 3% closing-cost estimate; actual closing costs vary by lender, title, and county.

Local market

The Boerne market in context.

Boerne sits in Kendall County, one of the faster-growing counties in the Greater San Antonio footprint. Home prices here stretch across a wide range, from entry-level inventory on the eastern edges of the city up through larger acreage properties in the Hill Country that push well past the conforming loan limit of $806,500. That limit is the same figure that applies to VA loans in this county, giving eligible veterans meaningful buying power. The FHA single-family limit for Kendall County lands at $568,100, which covers a solid share of the available inventory but leaves higher-priced properties better served by conventional or jumbo financing. Buyers here tend to include families relocating from the San Antonio metro core, remote workers drawn by the Hill Country lifestyle, and move-up buyers trading density for acreage.

Programs available in Boerne

Every loan program we close, available across Greater San Antonio.

Boerne's price range calls for flexibility across multiple loan types. Conventional loans up to the $806,500 conforming limit handle the bulk of purchases in established neighborhoods within the Boerne ISD boundary. For properties priced above that threshold — common on larger Hill Country lots outside city limits — jumbo financing becomes the practical path, and Q Mortgage works with multiple wholesale lenders to find competitive jumbo structures. VA loans are a strong fit here given the proximity to San Antonio's large active-duty and veteran population, and the county VA limit matches the full conforming cap. FHA loans at up to $568,100 serve entry-level buyers getting into Boerne's more affordable pockets. USDA Rural Development eligibility may apply to certain addresses in the outer Kendall County areas, so it's worth checking if you're buying land with a home outside the city core.

Frequently asked

Boerne mortgage FAQs

What is the conforming loan limit for Boerne, TX?
The 2025 conforming loan limit in Kendall County is $806,500 for a single-family home. Loans at or below that amount can qualify for conventional financing with standard guidelines. Anything above that threshold moves into jumbo territory and requires a different approval process.
Can I use a VA loan to buy a home in Boerne?
Yes. The VA loan limit for Kendall County matches the conforming cap at $806,500, giving eligible veterans and active-duty service members substantial purchasing power in the Boerne market. Veterans with full entitlement and no prior VA loan balance can also borrow above that figure with no down payment requirement, subject to lender guidelines and qualification.
Does FHA financing work for buying in Boerne?
FHA loans are available in Boerne up to the Kendall County limit of $568,100 for a single-family property. That covers many entry-level and mid-range homes in the area. If the home you're targeting is priced above that figure, a conventional loan or jumbo product is likely a better fit.
Are any homes in Kendall County eligible for USDA loans?
Some addresses in the rural portions of Kendall County outside Boerne's city core may still qualify for USDA Rural Development financing, which offers a no-down-payment option for eligible buyers who meet income guidelines. Eligibility is address-specific, so Q Mortgage can run the USDA lookup for any property you're considering.
Is it worth refinancing my Boerne home if I bought a few years ago?
That depends on your current rate, loan balance, remaining term, and financial goals. A refinance might lower your monthly payment, shorten your payoff timeline, or let you access equity built up as Kendall County values have risen. Q Mortgage can walk you through a side-by-side comparison so you can make the call with actual numbers in hand.
What does a mortgage broker do differently than a bank for a Boerne home purchase?
A mortgage broker like Q Mortgage works with multiple wholesale lenders rather than a single institution's product menu. That means your loan is being shopped across several options at once, which is especially useful in Boerne where you might need to combine conventional, jumbo, or VA guidelines depending on the property type and your situation.

Ready to get pre-qualified in Boerne?

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