Mortgage broker in Seguin, 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
Seguin mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $568,100
- Guadalupe County
- Population
- 36,000
- 2024
Mortgages, built around Seguin.
Seguin is one of Guadalupe County's fastest-growing communities, sitting at the eastern edge of the Greater San Antonio metro where Texas State Highway 130 makes commuting practical without the price tag of closer-in suburbs. Buyers here get genuine small-city character — think downtown Seguin's historic square and the Texas Lutheran University corridor — without sacrificing access to San Antonio employment centers. Q Mortgage (NMLS #2567464) works exclusively in Texas, so every loan officer on your file knows this market firsthand.
How much home can you afford in Seguin?
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 Seguin market in context.
Seguin sits within Guadalupe County, which shares the San Antonio-New Braunfels MSA conforming loan limit of $806,500. Most active price points in Seguin fall comfortably below that ceiling, meaning the majority of buyers here can avoid jumbo financing entirely. The buyer profile skews toward first-time purchasers, relocating families drawn by Seguin ISD schools, and San Antonio-area workers who want more square footage per dollar than closer suburbs offer. New construction is active on the city's outskirts, and that inventory mix — resale homes near the historic core plus new builds on the edges — creates real variety in loan scenarios across the county.
Every loan program we close, available across Greater San Antonio.
Because most Seguin prices land well under the $806,500 conforming limit, conventional financing is the workhorse here. FHA loans are a strong fit for entry-level buyers, especially in established neighborhoods where prices sit below the $568,100 Guadalupe County FHA limit. Veterans and active-duty borrowers can use a VA loan up to $806,500 with no down payment requirement. USDA Rural Development loans may be available for properties on Seguin's outer edges depending on USDA eligibility maps. Texas Department of Housing and Community Affairs (TDHCA) down payment assistance programs are also worth exploring for qualifying first-time buyers in this price range.
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 moreSeguin mortgage FAQs
What is the conforming loan limit for Seguin, TX?
Can I use an FHA loan to buy a home in Seguin?
Does Seguin qualify for USDA home loans?
Are VA loans available for homes in Guadalupe County?
Is it worth refinancing a Seguin home purchased in the last few years?
What down payment assistance programs are available to Seguin buyers?
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