Get a mortgage without the hassle. We monitor competitors to guarantee our rates are always among the lowest.
A division of Neighborhood Loans, Inc. · NMLS #222982
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 the numbers with zero guesswork.
Crunch the numbersBacked by local Texas underwriting. Faster approvals, zero panic.
See our promiseTexas real estate is local. Dallas isn't Houston, and Austin isn't San Antonio. Find data and loan officers hyper-specialized for your city.
Decode mortgage jargon. Read clear, data-driven guides on conforming limits, VA loans, and how points actually work.
See how we've helped over 500 Texas families.
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.
“Ben is by far the best Loan Officer. He works hard and is very knowledgeable in his domain. We appreciate everything he did to make our home buying process a breeze.”
Jennifer D M
“Ben and his team were excellent to work with. They secured a loan that met our needs quickly and maintained great communication throughout the entire process. Always available, very friendly, and even went above and beyond by helping with homeowners insurance. The personal visit at closing was a great touch. Highly recommend—top-notch service!”
Jason K
“Ben was a lifesaver during this process. He was informative, helpful, and very responsive. He made the home buying process as easy as possible. 10 out of 10, would recommend”
Brandy K
“My family was so lucky to have had the assistance of Ben Gheliuc, and his assistant, Christy, at South Texas Lending. Ben & Christy were amazingly understanding. Ben, specifically, explained things to us more than once to ensure everyone had a good understanding of what was happening with the loan process. Our family highly recommends Ben and team for any loan throughout the US.”
Courtney van der Berg
“The absolute best. Prompt, professional, and patient. Can't speak higher praise for Ben. He is detail oriented, incredibly patient, and educates our clients through all steps of the lending process. Thank you again Ben!”
Peter Cutile
“Ben is fantastic! We found him simply by googling lenders since I needed to be pre-approved same day. Ben was super responsive, patient, met every deadline, and made the closing process so easy! He has a way of calming you down when you start to panic. We didn't know much about the home buying process and Ben was there every step of the way!”
Lauren Cripe
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.
What type of loan are you looking for?
Every buyer is different. Browse all programs or walk through how the loan process works.
Skip the bank bureaucracy. Get a guaranteed rate, full transparency, and close in as little as 21 days.
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