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.
“Working with Ben for my first home purchase was an excellent experience. Ben answered all of my questions and was able to explain every part of the home buying process. He is very responsive and involved me in the key parts of the process without overwhelming me. Ben also tailored the experience and application process to my specific needs. He managed to accelerate a quicker closing date with the seller that both my wife and I really appreciated.”
Bryan Daniliuc
“Excellent service and communication. Highly recommended for anyone looking for a smooth lending experience.”
Raul E.
“Ben and the Team at South Texas Lending was the best. I got a very competitive rate when comparing with others, and despite challenges with old employers, we got the mortgage loan clear to close early too and on time for closing! Cannot recommend high enough.”
Octavian B.
“Everything was done according and smooth. They assisted me in every which way I needed.”
Hector V.
“My whole life I have been told purchasing a house is one of the most stressful events financially you can do in your life. Ben and Christy have made purchasing our first home seamless. Thank you so much for all the help and guidance.”
David J. M.
“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
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.
No impact to your credit score to securely see rates.
Enter your details to start the secure 3-minute application.
