Mortgage broker in New Braunfels, 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
New Braunfels mortgage market at a glance
- Population
- 110,000
- 2024
2026 loan limits for Comal County.
Loan limits can vary by county. Enter the property address or select the county for the correct limit.
Source: FHFA conforming loan limit county file, full county loan limit list (HERA-based, final)
Verified: August 12, 2026
Source: HUD FHA single-family forward mortgage limits, CY2026, Texas (hicost1.cfm lookup)
Verified: August 12, 2026
Eligible Veterans with full VA entitlement generally do not have a VA-imposed maximum loan amount. Loan approval remains subject to lender requirements, credit, income, residual income, property value, and available entitlement. County conforming limits can remain relevant when entitlement is not fully available.
Source: VA home loan entitlement guidance
Verified: August 12, 2026
Mortgages, built around New Braunfels.
New Braunfels sits at the north edge of Greater San Antonio, and the buyer pool here is a mix of Austin commuters, San Antonio transplants, and families zoning into Comal ISD or New Braunfels ISD. Whether you're eyeing a historic bungalow near Gruene, a build near the Creekside developments off I-35, or acreage out past Canyon Lake, Q Mortgage (NMLS #2567464) shops your file across our lender panel and structures the loan around your actual timeline. Texas only. No call center.
How much home can you afford in New Braunfels?
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
- $1,660.89
- Property tax
- $479.62
- Home insurance
- $150.00
- PMI
- $109.49
- Front-end (housing)
- 30.3%
- Back-end (housing + debts)
- 36.0%
- Loan amount
- $262,771
- LTV at origination
- 91.3%
- Cash to close (est.)
- $33,633
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 New Braunfels market in context.
Comal County has been one of the faster-growing counties in the state, and New Braunfels sits at the center of that pressure. Price points vary widely. Established neighborhoods off Common Street and Landa Park trade differently than new construction near Veramendi or the Highway 46 corridor. Jumbo financing shows up regularly on riverfront property along the Guadalupe and Comal, on larger lots near Canyon Lake, and on custom builds in Vintage Oaks. Closer to the FHA-friendly end, first-time buyers and relocating military families from JBSA and Randolph make up a steady share of the market. Current county loan figures are shown in the card above on this page.
Every loan program we close, available across Greater San Antonio.
Because price points span a wide range here, we regularly place four buckets of loans in New Braunfels. Jumbo fits river property, Vintage Oaks, and higher-end Gruene homes. Conventional (including 3 and 5 percent down) covers most mid-market purchases. FHA works for first-time buyers in more affordable pockets. VA is heavily used by JBSA and Randolph-connected buyers, and entitlement, not a flat cap, drives what you can borrow. USDA can still apply on the rural fringe toward Sattler and Spring Branch. Q Mortgage will match the program to the property.
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 moreNew Braunfels mortgage FAQs
Do I need a jumbo loan to buy in New Braunfels?
What are the current loan limits in Comal County?
Can a VA buyer purchase above the county figure in New Braunfels?
Is FHA a good fit for first-time buyers here?
Can I refinance my New Braunfels home with Q Mortgage?
How long does closing usually take?
Ready to get pre-qualified in New Braunfels?
Soft-pull pre-qualification, with no impact to your credit score. No surprises — just a clear number you can shop with.
Other Greater San Antonio markets we serve.
Get a New Braunfels pre-qualification.
Tell us a little about your scenario. We follow up on every submission with clear next steps. You'll get a rate-and-term you can take to any agent in New Braunfels.