VA Home Loan • 0% Down
Get a mortgage without the hassle. We monitor competitors to guarantee our rates are always among the lowest in Texas.
Competitive rates on Conventional, FHA, VA & Jumbo loans with fast local Texas underwriting.
Lower your monthly mortgage payment or shorten your term to save thousands in interest over time.
Tap into your Texas home equity for renovations, debt payoff, or capital under 50(a)(6) rules.
South Texas Lending Team · a team of Neighborhood Loans, Inc. · NMLS #222982
Direct balance-sheet underwriting, transparent numbers, and personalized mortgage strategy. Over 548 verified reviews across Experience.com, Google, and Zillow.
Ben was great to work with, he was very communicative and willing to think outside the box to get the deal done! When the lender changed terms, Ben fought for us to get the original terms. He’s client focused, works with integrity, and doesn’t give up. [Read More]
Ben and his office went above and beyond! They put our priorities first and guided us every step of the way to make sure we had all best options available. When things seemed like it might not happen he found a way! By far the easiest and best loan office I have ever worked with. [Read More]
I wasn’t even sure what questions to ask or where to start. Ben took the time to walk me through the different loan options and help me understand what would fit my situation best. I am so grateful I made the call. Thank you, Ben, for making the process so much easier! [Read More]
Ben was absolutely amazing to work with! Incredibly kind, professional, and quick to respond whenever we had questions. He made the entire process feel smooth and stress-free, and I always felt like he was genuinely looking out for our best interests rather than just trying to get a deal done. [Read More]
Ben is the best loan officer I have worked with ever! Very knowledgeable, professional, and always accessible throughout the entire loan process. He went above and beyond to help get the deal closed and get the best rate possible! Thank you so much Ben for all your hard work! [Read More]
I highly recommend Ben and his Team! I am a home builder and contractor and Ben has provided all of my construction loans and also a refinance on my personal home as well. He works tirelessly to close and fund loans efficiently. Straightforward and trusted. [Read More]
Ben was great to work with, he was very communicative and willing to think outside the box to get the deal done! When the lender changed terms, Ben fought for us to get the original terms. He’s client focused, works with integrity, and doesn’t give up. [Read More]
Ben and his office went above and beyond! They put our priorities first and guided us every step of the way to make sure we had all best options available. When things seemed like it might not happen he found a way! By far the easiest and best loan office I have ever worked with. [Read More]
I wasn’t even sure what questions to ask or where to start. Ben took the time to walk me through the different loan options and help me understand what would fit my situation best. I am so grateful I made the call. Thank you, Ben, for making the process so much easier! [Read More]
Ben was absolutely amazing to work with! Incredibly kind, professional, and quick to respond whenever we had questions. He made the entire process feel smooth and stress-free, and I always felt like he was genuinely looking out for our best interests rather than just trying to get a deal done. [Read More]
Ben is the best loan officer I have worked with ever! Very knowledgeable, professional, and always accessible throughout the entire loan process. He went above and beyond to help get the deal closed and get the best rate possible! Thank you so much Ben for all your hard work! [Read More]
I highly recommend Ben and his Team! I am a home builder and contractor and Ben has provided all of my construction loans and also a refinance on my personal home as well. He works tirelessly to close and fund loans efficiently. Straightforward and trusted. [Read More]
Compare the standard retail bank or solo broker against the dedicated speed and institutional power of STX Lending.
Fragmented Middleman Model
Heavy layers of off-site corporate committees stall earnest money deadlines and create closing day panic.
When your loan officer is out or busy, files sit completely dormant without an active pipeline backup.
Underwriters based thousands of miles away unaware of Texas ad-valorem taxes and homestead exemptions.
Hidden processing and underwriting junk fees inserted into the Closing Disclosure at the 11th hour.
Dedicated Private Advisory + Balance Sheet Velocity
In-house balance-sheet underwriting clears files up to 2 weeks faster than national big banks.
Senior strategist Ben Gheliuc personally structures your optimal rate lock and talks directly with your realtor.
Deep expertise in Section 50(a)(6), Bexar/Travis/Harris ad-valorem taxes, and Texas Veterans Land Board (TVLB).
Pure balance-sheet capital access with transparent zero-junk fee commitment and locked-in lender credits.
A smarter mortgage experience starts here. Tap into local data, transparent calculators, and expert learning material built to put you back in the driver's seat.
Discover your true buying power, test refinance savings, and crunch monthly Texas payments with local property tax and insurance precision.
Backed by direct local Texas underwriting. Rapid commitments and guaranteed closing dates with zero panic.
Texas real estate is hyper-local. Connect with loan officers hyper-specialized in your community.
Decode mortgage jargon. Read clear, data-driven guides on 2026 conforming loan limits, VA entitlements, Texas 50(a)(6) cash-out equity, and discount points.
See how we've helped over 500 Texas families.
"Thanks to his dedication and drive, we successfully achieved a 21-day closing, which exceeded our expectations. Truly an outstanding experience."
"We had a very tight timeline, and in less than 21 days everything was ready. On closing day, Ben personally traveled to each of us for signatures. Unmatched personal service."
"As a real estate agent, I've worked with Ben on multiple transactions. His communication is exceptional and his team consistently delivers a smooth closing."
I created South Texas Lending (powered by Neighborhood Loans) in 2019 to give families in Texas an honest way to get a mortgage. Someone transparent, direct, and straightforward. We're a direct lender, which means underwriting, pricing, and our full loan program lineup all happen under one roof. No middlemen or middle management squeezing the price, and no junk fees.
We've served over 500 families across San Antonio and the greater Texas market, plus 13 other states. Holding a perfect 5.0 score on Google, Zillow, Experience.com, and Fast Expert means a lot to us. We treat every borrower like a family member, which means they get the most help and the best pricing we can offer.
Outside of work, I am usually snowboarding in the winter, on a basketball court with the kids, or watching the markets. I speak English and Romanian. If you want to talk through your options before applying, my line is always open at (210) 750-6164.
Stop by for a coffee and a no-pressure conversation about your home buying or refinance options.
South Texas Lending
1846 N Loop 1604 W, Suite 205
San Antonio, TX 78248
(210) 750-6164
Call our branchMonday to Saturday
7:00 AM to 8:00 PM
San Antonio Office
1846 N Loop 1604 W, Suite 205
San Antonio, TX 78248
See real client reviews on our Google Business Profile or leave us a Google review.
We stripped away the bank bureaucracy. Here is your new path home in Texas, backed by our 21-day close guarantee.
Sync your bank data securely. No PDFs or faxing tax returns.
Get a verified approval letter that is as good as cash to Texas sellers, especially when paired with our Cash Offer Advantage.
Sign 90% of docs online. Show up to a local title company for the keys.
No docs to gather upfront. No calls either. Answer a couple questions about your goals, and we'll come back with real numbers within 24 hours. Estimate your payment with our mortgage calculator or see what our clients say.
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