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
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $568,100
- Comal County
- Population
- 110,000
- 2024
Mortgages, built around New Braunfels.
New Braunfels has grown from a quiet Hill Country town into one of the fastest-expanding cities in Comal County, drawing buyers who work in Greater San Antonio but want more space, better schools, and a river town lifestyle. Whether you're buying near the Comal Independent School District or relocating for a job at Resolute Health or one of the regional employers along I-35, Q Mortgage (NMLS #2567464) works as your dedicated broker — shopping your file across multiple lenders so you're not stuck with one bank's options.
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
- $1,639.80
- 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 New Braunfels market in context.
New Braunfels sits in Comal County, which carries a 2025 conforming loan limit of $806,500 — well above the statewide baseline. That higher ceiling matters here because home prices across the city span a wide range, from entry-level neighborhoods near downtown to newer master-planned communities like Veramendi and Gruene-area properties that push well into the mid-to-upper price bands. The FHA single-family limit for Comal County is $568,100, which still covers a meaningful slice of the market, particularly for first-time buyers focused on older neighborhoods closer to the Comal River. Buyers here tend to be a mix of San Antonio commuters, remote workers, and retirees drawn by the Hill Country setting and the city's continued growth along the I-35 corridor.
Every loan program we close, available across Greater San Antonio.
Comal County's $806,500 conforming limit means most New Braunfels buyers can stay in a conventional loan without going jumbo. For purchases above that ceiling, jumbo financing is available and worth a conversation. FHA loans — with the county limit at $568,100 — are a strong fit for buyers targeting entry-level homes near downtown or established neighborhoods off Loop 337. VA loans match the conforming limit at $806,500, making them a practical choice for the veteran community in the Greater San Antonio region. USDA rural-eligible zones exist on the outskirts of the city, so buyers looking at acreage properties on the edges of Comal County should ask whether their target address qualifies. Conventional loans with as little as 3% down are also worth exploring for buyers with solid credit who want to preserve cash.
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
What is the conforming loan limit for New Braunfels, TX?
Does FHA financing work in New Braunfels?
Can veterans use a VA loan to buy in New Braunfels?
Are there USDA loan options near New Braunfels?
What's the difference between a mortgage broker and a bank for my New Braunfels home purchase?
Can I refinance my New Braunfels home through Q Mortgage?
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