Mortgage broker in San Antonio, 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
San Antonio mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $568,100
- Bexar County
- Population
- 1,500,000
- 2024
Mortgages, built around San Antonio.
San Antonio is one of Texas's most diverse housing markets, stretching from the historic King William District to fast-growing suburbs along Loop 1604. With Joint Base San Antonio anchoring a large military and civilian workforce, buyer demand stays steady across price points. Q Mortgage (NMLS #2567464) works exclusively in Texas, and our loan officers know Bexar County's neighborhoods, lenders, and quirks well enough to steer you clear of surprises at the closing table.
How much home can you afford in San Antonio?
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 San Antonio market in context.
San Antonio sits in Bexar County, where home prices span a wide range — from entry-level options in emerging eastside neighborhoods to luxury properties in the Hill Country Village corridor. The 2025 conforming loan limit for Bexar County is $806,500, and the FHA single-family limit is $568,100. That FHA ceiling means buyers targeting higher-priced zip codes near the North Side Independent School District corridor may find conventional financing a better fit, while the FHA limit still covers a solid share of the San Antonio market at the entry level. VA buyers benefit from a county loan limit of $806,500, which reflects the significant military population tied to Joint Base San Antonio.
Every loan program we close, available across Greater San Antonio.
San Antonio's broad price range means no single loan program fits every buyer. Conventional loans up to the $806,500 conforming limit cover the majority of purchase transactions across Bexar County. FHA loans are a practical choice for first-time buyers in more affordable neighborhoods, particularly where purchase prices fall under the $568,100 county limit. VA loans are especially relevant here given the large active-duty and veteran population at Joint Base San Antonio — eligible borrowers can finance up to $806,500 with no down payment required. Buyers moving into higher-end properties above the conforming limit have jumbo options available as well. Down payment assistance programs through Texas state and local housing authorities are also worth exploring for qualifying buyers.
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 moreSan Antonio mortgage FAQs
What is the conforming loan limit in San Antonio for 2025?
Can I use a VA loan to buy a home in San Antonio?
Is FHA financing a good fit for San Antonio homebuyers?
Do I need a jumbo loan to buy in San Antonio?
Can I refinance my San Antonio home through Q Mortgage?
What loan programs are available for first-time buyers in San Antonio?
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