Mortgage broker in Universal City, 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
Universal City mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $568,100
- Bexar County
- Population
- 21,000
- 2024
Mortgages, built around Universal City.
Universal City sits just northeast of San Antonio along the IH-35 corridor, minutes from Randolph Air Force Base — one of the area's largest employers and a major driver of the local housing market. Whether you're a first-time buyer eyeing the Schertz-Cibolo-Universal City ISD zone or a military family relocating to the area, Q Mortgage (NMLS #2567464) works with Texas buyers to find the right loan fit, not the loudest pitch.
How much home can you afford in Universal City?
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 Universal City market in context.
Universal City falls within Bexar County, which sets the conforming loan limit at $806,500 and the FHA single-family limit at $568,100. Most homes in Universal City price well within those conforming boundaries, which means the majority of buyers here have a full range of conventional financing options available without stepping into jumbo territory. The buyer pool skews toward active-duty military and veterans tied to Randolph AFB, alongside civilian households drawn to the city's proximity to San Antonio's job centers on the northeast side. Entry-level and move-up buyers both find purchase price points that fit standard conventional and government-backed programs.
Every loan program we close, available across Greater San Antonio.
Because most Universal City home prices fall under the $568,100 FHA limit, FHA loans are a practical entry point for buyers with smaller down payments or credit profiles still in progress. VA loans are especially relevant here given the Randolph AFB connection — eligible veterans and active-duty borrowers can purchase with no down payment and no private mortgage insurance. Conventional conforming loans work well for move-up buyers with stronger equity or larger down payments. USDA Rural Development loans may apply to select addresses on the outer edges of the city. Texas Veterans Land Board loans are also worth exploring for eligible state veterans purchasing in Bexar County.
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 moreUniversal City mortgage FAQs
What is the VA loan limit in Universal City, TX?
Can I use an FHA loan to buy a home in Universal City?
Are VA loans common in Universal City given the proximity to Randolph AFB?
Do I need a jumbo loan to buy in Universal City?
Can I refinance my home in Universal City through Q Mortgage?
What loan programs are available for first-time buyers in the Schertz-Cibolo-Universal City ISD area?
Ready to get pre-qualified in Universal City?
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