Mortgage broker in Floresville, 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
Floresville mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $568,100
- Wilson County
- Population
- 7,400
- 2024
Mortgages, built around Floresville.
Floresville sits at the heart of Wilson County, about 30 miles southeast of downtown San Antonio, and it's growing steadily as buyers look for more space without leaving the Greater San Antonio orbit. The Floresville Independent School District draws families who want a tight-knit community feel with room to breathe. Q Mortgage (NMLS #2567464) works exclusively in Texas, and we bring the same loan options a big-city buyer expects straight to Wilson County borrowers.
How much home can you afford in Floresville?
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% = conservative, 43% = QM, 50% = aggressive
- Principal & interest
- $1,639.80
- Property tax
- $496.49
- Home insurance
- $150.00
- PMI
- $113.71
- Front-end (housing)
- 30.3%
- Back-end (housing + debts)
- 36.0%
- 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.
The Floresville market in context.
Floresville carries a small-town price point that sits well below Wilson County's conforming loan limit of $806,500, which means most buyers here can finance with a conventional loan and avoid jumbo territory entirely. The FHA single-family limit for Wilson County lands at $568,100, leaving solid room above typical Floresville prices for buyers using government-backed programs. The buyer profile here skews toward first-time purchasers, rural landowners picking up acreage, and San Antonio commuters trading urban density for Wilson County elbow room. Because Floresville is outside major metro zip codes, USDA Rural Development eligibility is worth checking for qualifying borrowers and properties.
Every loan program we close, available across Greater San Antonio.
At Floresville's price point, conventional loans are the workhorse, letting qualified buyers put as little as 3% down and stay comfortably under the $806,500 conforming limit. FHA loans are a strong fit for first-time buyers in entry-level neighborhoods, with the $568,100 county limit covering the vast majority of local transactions. VA loans are available up to $806,500 in Wilson County with no down payment required for eligible veterans and active-duty service members. USDA Rural Development loans are also worth exploring for properties that fall within eligible rural boundaries around Floresville, offering 100% financing for income-qualifying households.
Government-backed
FHA Loans
Low down payment, flexible credit. Great for first-time buyers.
Learn moreVA Loans
Zero-down financing for veterans, active duty, and surviving spouses.
Learn moreUSDA Loans
Zero-down for rural and suburban-eligible properties.
Learn moreFirst-Time Home Buyer
Programs and guidance for your first purchase.
Learn moreDown Payment Assistance
TX grants and second-lien programs to bridge the down-payment gap.
Learn more1% Down Programs
Special programs that close with as little as 1% from you.
Learn moreZero Down Programs
Pathways to a zero-down purchase via VA, USDA, or lender credits.
Learn more100% Financing
100% LTV options for qualifying borrowers.
Learn moreConventional
Conventional Loans
Standard 3% to 20% down loans backed by Fannie/Freddie.
Learn moreJumbo Loans
Above-conforming financing for higher-priced homes.
Learn moreFixed-Rate Mortgage
Lock the same rate for 15 or 30 years.
Learn moreAdjustable-Rate Mortgage
Lower intro rate for buyers who plan to move or refi.
Learn more30-Year Mortgage
Most-common loan term for primary residences.
Learn moreRefinance & equity
Refinance Overview
Find the right refi structure for your equity + rate goals.
Learn moreRate-and-Term Refinance
Lower your rate or shorten your term.
Learn moreCash-Out Refinance
Tap equity for renovations, debt consolidation, or investment.
Learn moreHELOC
Revolving credit line tied to your home equity.
Learn moreHome Equity Loan
Fixed-rate second lien against your TX home equity.
Learn moreSpecialty programs
Rent-to-Own
Lease-to-purchase pathway for buyers who need time.
Learn moreNew Construction
Financing for spec, semi-custom, and custom new builds.
Learn moreConstruction & Renovation
Single-close construction or renovation financing.
Learn moreLand Loans
Acquire raw or improved land for future construction.
Learn moreMedical Professional
Physician/MD/DO programs with relaxed DTI + student-loan handling.
Learn moreITIN Loans
Financing for borrowers without an SSN using an ITIN.
Learn moreTip Worker Loans
Income-qualification using documented tip income.
Learn moreNon-QM & investor
Bank Statement Loans
12- or 24-month bank statements in lieu of tax returns.
Learn moreP&L Loans
CPA- or borrower-prepared P&L for self-employed income.
Learn more1099 Loans
Qualify on 1099 income instead of W-2 or returns.
Learn moreAsset Depletion
Qualify using verified assets converted to monthly income.
Learn moreDSCR (Investor)
Qualify the property — no personal income docs required.
Learn moreFix-and-Flip
Short-term acquisition + rehab financing for flippers.
Learn moreBridge / Hard Money
Short-term financing to bridge purchase and permanent loan.
Learn morePortfolio / Blanket
Single loan across multiple investment properties.
Learn moreShort-Term Rental
Financing structured around STR / Airbnb income.
Learn moreForeign National
TX financing for non-US-citizen / non-resident borrowers.
Learn moreExpanded Program
Catch-all Non-QM for scenarios outside standard guidelines.
Learn moreFloresville mortgage FAQs
Is Floresville, TX eligible for USDA loans?
What is the conforming loan limit for Wilson County?
Can I use a VA loan to buy a home in Floresville?
What is the FHA loan limit in Wilson County?
Do I need a jumbo loan to buy in Floresville?
Can I refinance a Floresville home with Q Mortgage?
Ready to get pre-qualified in Floresville?
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