Mortgage broker in Schertz, 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
Schertz mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $568,100
- Guadalupe County
- Population
- 45,000
- 2024
Mortgages, built around Schertz.
Schertz sits at the northeastern edge of Greater San Antonio, where Guadalupe County growth has drawn families, military households, and commuters looking for more house without leaving the metro. Randolph AFB is minutes away, and the Schertz-Cibolo-Universal City ISD pulls buyers who prioritize schools. Q Mortgage (NMLS #2567464) works exclusively in Texas and knows this corridor well enough to match you with the right loan from day one.
How much home can you afford in Schertz?
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 Schertz market in context.
Schertz sits in Guadalupe County, which carries a 2025 conforming loan limit of $806,500 and an FHA single-family limit of $568,100. Home prices across the city span a broad range, from established neighborhoods near FM 3009 to newer construction pushing toward the upper conforming boundary. Buyers in the mid-price range often find they qualify for conventional financing without touching jumbo territory. First-time buyers and military households purchasing near the entry-level end of the market should weigh FHA and VA options carefully against those county limits.
Every loan program we close, available across Greater San Antonio.
Conventional loans fit the bulk of Schertz purchases, since most transactions land comfortably under the $806,500 conforming ceiling. VA loans are a natural fit here given the proximity to Randolph AFB and the strong active-duty and veteran population in Guadalupe County. FHA financing works well for buyers targeting entry-level price points below the $568,100 county limit. For buyers moving into higher-end new construction that clears the conforming cap, jumbo financing is available. USDA eligibility may apply to select addresses on the outer edges of Schertz, so it's worth checking your specific 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 moreSchertz mortgage FAQs
What is the conforming loan limit for Schertz, TX?
Can I use a VA loan to buy a home in Schertz?
Does FHA financing work in Schertz?
Are any homes in Schertz eligible for USDA loans?
What loan programs are available for new construction in Schertz?
Can I refinance my Schertz home if I bought it a few years ago?
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