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GREATER SAN ANTONIO

Mortgage broker in Castle Hills, 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
Get Pre-Qualified Call (903) 402-5626
Local snapshot

Castle Hills mortgage market at a glance

Conforming limit
$806,500
2026
FHA single-family
$568,100
Bexar County
Population
4,400
2024
Why buyers choose Q Mortgage

Mortgages, built around Castle Hills.

Castle Hills is a small, established enclave sitting entirely within Bexar County, surrounded by San Antonio on all sides. Homebuyers here are drawn to its tree-lined streets, the Northside ISD boundary that runs through parts of the area, and the short commute to major employers along the IH-10 and Loop 410 corridors. Q Mortgage (NMLS #2567464) works exclusively in Texas, so our team knows this pocket of Greater San Antonio well and can match you to the right loan program from the first conversation.

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How much home can you afford in Castle Hills?

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 Castle Hills market in context.

Castle Hills sits inside Bexar County, which means buyers here work within the county's established conforming loan limit of $806,500 and an FHA single-family limit of $568,100. The city's relatively small footprint of roughly 4,400 residents keeps inventory tight, and the buyer pool tends to skew toward move-up and established households rather than first-time buyers stretching on price. That said, entry-level price points do exist, particularly on smaller lots closer to the city's edges, where FHA financing can still be a practical path. Buyers competing in this market should have their financing solidly lined up before submitting an offer.

Programs available in Castle Hills

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

Because home prices in Castle Hills can push toward or past the FHA limit, conventional financing is often the practical choice for mid-range purchases. For higher-priced properties approaching or exceeding the $806,500 conforming ceiling, a jumbo loan deserves a serious look. VA loans are available up to $806,500 in Bexar County and are worth exploring for eligible veterans and active-duty service members, given the significant military presence in the Greater San Antonio area. FHA loans remain a solid fit for entry-level homes priced below the $568,100 county limit, particularly for buyers who need more flexible qualification criteria.

Government-backed

FHA Loans

Low down payment, flexible credit. Great for first-time buyers.

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VA Loans

Zero-down financing for veterans, active duty, and surviving spouses.

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USDA Loans

Zero-down for rural and suburban-eligible properties.

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First-Time Home Buyer

Programs and guidance for your first purchase.

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Down Payment Assistance

TX grants and second-lien programs to bridge the down-payment gap.

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1% Down Programs

Special programs that close with as little as 1% from you.

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Zero Down Programs

Pathways to a zero-down purchase via VA, USDA, or lender credits.

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100% Financing

100% LTV options for qualifying borrowers.

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Conventional

Conventional Loans

Standard 3% to 20% down loans backed by Fannie/Freddie.

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Jumbo Loans

Above-conforming financing for higher-priced homes.

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Fixed-Rate Mortgage

Lock the same rate for 15 or 30 years.

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Adjustable-Rate Mortgage

Lower intro rate for buyers who plan to move or refi.

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30-Year Mortgage

Most-common loan term for primary residences.

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Refinance & equity

Refinance Overview

Find the right refi structure for your equity + rate goals.

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Rate-and-Term Refinance

Lower your rate or shorten your term.

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Cash-Out Refinance

Tap equity for renovations, debt consolidation, or investment.

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HELOC

Revolving credit line tied to your home equity.

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Home Equity Loan

Fixed-rate second lien against your TX home equity.

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Specialty programs

Rent-to-Own

Lease-to-purchase pathway for buyers who need time.

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New Construction

Financing for spec, semi-custom, and custom new builds.

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Construction & Renovation

Single-close construction or renovation financing.

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Land Loans

Acquire raw or improved land for future construction.

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Medical Professional

Physician/MD/DO programs with relaxed DTI + student-loan handling.

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ITIN Loans

Financing for borrowers without an SSN using an ITIN.

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Tip Worker Loans

Income-qualification using documented tip income.

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Non-QM & investor

Bank Statement Loans

12- or 24-month bank statements in lieu of tax returns.

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P&L Loans

CPA- or borrower-prepared P&L for self-employed income.

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1099 Loans

Qualify on 1099 income instead of W-2 or returns.

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Asset Depletion

Qualify using verified assets converted to monthly income.

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DSCR (Investor)

Qualify the property — no personal income docs required.

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Fix-and-Flip

Short-term acquisition + rehab financing for flippers.

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Bridge / Hard Money

Short-term financing to bridge purchase and permanent loan.

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Portfolio / Blanket

Single loan across multiple investment properties.

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Short-Term Rental

Financing structured around STR / Airbnb income.

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Foreign National

TX financing for non-US-citizen / non-resident borrowers.

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Expanded Program

Catch-all Non-QM for scenarios outside standard guidelines.

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Frequently asked

Castle Hills mortgage FAQs

What is the conforming loan limit for Castle Hills, TX?
Castle Hills is in Bexar County, where the 2025 conforming loan limit for a single-family home is $806,500. Loans at or below that threshold can qualify for conventional financing. Anything above it moves into jumbo territory, which carries its own underwriting requirements.
Can I use an FHA loan to buy a home in Castle Hills?
Yes, FHA loans are available in Castle Hills up to the Bexar County single-family limit of $568,100. If the home you're targeting is priced above that ceiling, a conventional or jumbo loan will likely be a better fit. FHA is still a strong option for buyers eyeing more modestly priced properties in the area.
Are VA loans available in Castle Hills?
VA loans are available in Bexar County up to $806,500 for eligible veterans, active-duty service members, and qualifying surviving spouses. Given how many military families are connected to the Greater San Antonio area, this program comes up often. Q Mortgage can walk you through your Certificate of Eligibility and the full VA process.
Do I need a jumbo loan to buy in Castle Hills?
Not necessarily. Many homes in Castle Hills will fall within the $806,500 conforming limit. However, if you're looking at higher-end properties and need a loan amount above that threshold, a jumbo loan is the route to explore. Jumbo products typically require stronger credit profiles and larger down payments than conforming loans.
Is Castle Hills a competitive market for buyers?
Castle Hills has a small housing stock given its population of around 4,400 residents, which tends to keep available inventory limited. Buyers who come in with full loan approval rather than a basic pre-qualification letter are generally in a stronger position when making an offer. Q Mortgage can get your file fully reviewed before you start making offers.
What loan programs does Q Mortgage offer for Castle Hills homebuyers?
Q Mortgage works with conventional, FHA, VA, and jumbo loan programs for buyers in Castle Hills and across Texas. The right fit depends on your purchase price, down payment, credit profile, and eligibility for programs like VA. A straightforward conversation about your situation is the fastest way to narrow it down.

Ready to get pre-qualified in Castle Hills?

Soft-pull pre-qualification in minutes. No surprises — just a clear number you can shop with.

Get Pre-Approved Call (903) 402-5626
Nearby cities

Other Greater San Antonio markets we serve.

San Antonio, TX
Bexar County
New Braunfels, TX
Comal County
Schertz, TX
Guadalupe County
Cibolo, TX
Guadalupe County
Seguin, TX
Guadalupe County
Converse, TX
Bexar County
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