Mortgage broker in Selma, 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
Selma mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $568,100
- Bexar County
- Population
- 12,000
- 2024
Mortgages, built around Selma.
Selma sits at the northeastern edge of the Greater San Antonio metro, right where Bexar County meets the growth corridors pushing toward New Braunfels. With major employers like Amazon and IKEA anchoring the nearby Forum area, Selma attracts buyers who want quick access to Loop 1604 without paying inner-Loop prices. Q Mortgage (NMLS #2567464) works exclusively in Texas, so we know this pocket of Bexar County well and can match you to the right loan program from day one.
How much home can you afford in Selma?
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 Selma market in context.
Selma is a mid-size city of roughly 12,000 residents in Bexar County, sitting within the Greater San Antonio metro area. Home prices here tend to fall comfortably below the conforming loan limit of $806,500, which means most buyers can finance with a conventional loan and avoid jumbo underwriting requirements. The FHA single-family loan limit for Bexar County stands at $568,100, so FHA financing is a realistic option across most of Selma's neighborhoods. Buyers range from first-timers drawn by relative affordability compared to closer-in San Antonio zip codes, to move-up buyers leveraging equity from starter homes. The Bexar County context matters: county-level loan limits and property tax rates apply here, and understanding both is part of structuring a loan that actually fits your budget.
Every loan program we close, available across Greater San Antonio.
Because most Selma home prices fall within conventional conforming limits, a standard conventional loan is often the cleanest path. For buyers with lower down payments or credit scores still in progress, FHA loans up to $568,100 cover the bulk of available inventory. Veterans and active-duty service members have strong options here too: the VA county loan limit for Bexar County matches the conforming ceiling at $806,500, and VA loans require no down payment for eligible borrowers. USDA loans may apply to select addresses on Selma's outer edges depending on rural eligibility maps, so it's worth a quick check. First-time buyers should also ask about down payment assistance programs layered on top of conventional or FHA financing. Q Mortgage reviews all applicable programs against your specific scenario before making a recommendation.
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 moreSelma mortgage FAQs
What is the conforming loan limit for Selma, TX?
Is FHA financing a good fit for buying in Selma?
Can I use a VA loan to buy a home in Selma, TX?
Does Q Mortgage work with Selma home buyers directly, or only through real estate agents?
Are there down payment assistance options for buying in Bexar County?
What's the difference between a mortgage broker and a bank for a Selma home purchase?
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