STX Lending, Texas Mortgage Lender
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(210) 750-6164Get Started
STX Lending

Texas Real Estate Lending, Simplified. We provide fast, transparent mortgage lending with competitive rates and a streamlined digital experience.

1846 N Loop 1604 W, Ste 205

San Antonio, TX 78248

(210) 750-6164hello@stxlending.com

Hours

Monday to Saturday: 7:00 AM to 8:00 PM

Sunday: Closed

Proudly serving Texas since 2019.

Find us on Google Business Profile.

Solutions

  • Home Purchase
  • Refinance Rates
  • Texas Cash-Out
  • VA Loans
  • Get Pre-Approved
  • Texas Loan Limits

Resources

  • Daily Rates
  • Calculators
  • HELOC Calculator
  • Loan Comparison
  • Mortgage Blog
  • STX Perks
  • Careers
  • About Us

Texas Locations

  • All Texas locations
  • San Antonio
  • Austin
  • Houston
  • Dallas
  • Fort Worth
  • Corpus Christi

Legal & Support

  • Contact Us
  • Privacy Policy
  • Terms of Service
  • State Licenses & NMLS
  • Accessibility
  • Data Opt-Out

Awards & Recognition

  • National Mortgage News Top Producers 2025
  • 5 Star Award, Top Producer
  • Five Star Professional, Rising Star
  • Top Mortgage Professionals, 2025

Memberships

  • National Association of Hispanic Real Estate Professionals (NAHREP)
  • Five Star Professional
  • Top Mortgage Professionals 2025
  • Romanian American Business Owners of America

South Texas Lending Team is a mortgage team of Neighborhood Loans, Inc. (NMLS #222982). All loans are made by Neighborhood Loans, Inc. Verify on NMLS Consumer Access.

San Antonio, TX Branch · NMLS #2774284 · 1846 N Loop 1604 W, Ste 205, San Antonio, TX 78248

Branch Manager: Benjamin Gheliuc · Mortgage Loan Originator · NMLS #1775990 · Branch line: (630) 246-4777

Corporate Headquarters: Neighborhood Loans, Inc., 1333 Butterfield Rd, Suite 600, Downers Grove, IL 60515. For complaints or questions about this branch, contact the Texas Department of Savings and Mortgage Lending, 2601 N. Lamar Blvd, Suite 201, Austin, TX 78705, 1-877-276-5550.

© 2026 Neighborhood Loans, Inc. All rights reserved.

NMLS #222982NMLS Consumer Access
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Home>Calculators

Mortgage calculators

Let's look at the numbers to discover what's possible. Start with our monthly payment calculator, the home affordability calculator, or a refinance savings calculator.

Not sure which calculator to use?

Answer a few questions and we'll recommend one that matches your goals. Or jump to a conventional loan, FHA loan, or VA loan.

Texas DSCR loan calculator

Check Debt Service Coverage Ratio, maximum loan amount, cash flow, and 10-year interest-only options for investment properties.

Home affordability calculator

Explore home prices affordable for you and see what a lender could prequalify you for.

Mortgage calculator

Thinking of buying a house? Estimate your monthly loan payment including taxes and insurance.

Refinance calculator

Find out if refinancing could lower your monthly payment or shorten your term.

Rent vs. buy calculator

Discover the costs and benefits of both to see which could be better for you long-term.

Mortgage transfer tax calculator

Estimate real estate transfer taxes and recording fees based on your location and price.

VA funding fee calculator

Calculate the required one-time fee for your VA home loan based on your service and down payment.

Temporary rate buydown calculator

See how temporary seller concessions can lower your initial payments.

15 vs. 30 year calculator

Compare total interest and monthly payments between common fixed-rate terms.

VA residual income calculator

Calculate the residual income needed to qualify for a VA loan based on your family size.

ARM vs. fixed break-even calculator

Determine when the savings of an ARM are outweighed by a potential fixed rate.

Seller concession calculator

Estimate the maximum seller contribution allowed based on your loan type and down payment.

Closing costs calculator

Estimate your full closing-cost line items: title policy, escrow, lender fees, prepaids.

Amortization calculator

See how much of each mortgage payment reduces your loan balance and how much goes to interest.

Home equity calculator

Estimate your current home equity based on your property value and mortgage balance.

Debt-to-income (DTI) calculator

Calculate your DTI ratio to see if you qualify for a mortgage.

VA affordability calculator

Estimate a VA home price using the DTI and residual income guidelines.

VA max loan calculator

Find your VA max loan amount based on your county loan limit, entitlement, and ZIP code.

HELOC Calculator

See how much equity you can tap with a Home Equity Line of Credit. Compare HELOC vs. cash-out refinance.

Loan comparison calculator

Compare up to 4 loan scenarios side by side to see how rates, terms, and down payments change your total cost.

Mortgage payoff calculator

See how much time and interest you save by paying extra on your mortgage.

Texas property tax estimator

Estimate annual property tax for any Texas county. Includes homestead exemption math.

Refinance break-even calculator

Find out when your refinance pays for itself and whether the closing costs are worth it.

Mortgage points calculator

Should you buy mortgage discount points? See break-even months and lifetime savings.

Bi-weekly mortgage calculator

See how splitting your monthly payment in half and paying every 2 weeks shaves years off your loan.

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(210) 750-6164