Expert guides, market insights, and practical advice from licensed Texas mortgage professionals. Everything you need to make confident decisions about your home loan. Start with our complete pre-approval guide, browse the mortgage glossary, or jump to frequently asked questions.
Quick answer: Most lenders require a minimum upfront payment of 3% with conventional loans in San Antonio. The median home price in the city is at $296,885. That means you can put as little as $8,907 down to secure a conventional home loan, bringing your San Antonio homeownership dreams closer to reality. In the following
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Owning a home comes with significant expenses, but it also provides valuable tax benefits that can reduce your taxable income and save you thousands of dollars annually. For homeowners in San Antonio and South Texas, understanding these tax deductions becomes even more crucial given our region’s property tax landscape and unique market conditions. Tax deductions
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If you’re thinking about refinancing your mortgage in San Antonio or anywhere in Texas, you might come across something called “Points in Refinance”. These are fees you can pay upfront to lower your interest rate and potentially save money over time. But how exactly do refinance points work? And are they worth the cost? This
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Your down payment isn’t the only thing you need to worry about when finalizing your home purchase in Texas. You need to be aware of how much you actually need to bring to the closing table. And these include closing costs. Closing costs are fees and expenses you pay on the day you close
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You’re scrolling through real estate listings in San Antonio when you spot your dream home.perfect location, ideal price range, everything you want. But then you notice the dreaded status: “Pending.” Your heart sinks. Does this mean you’ve lost your chance completely? What does pending mean in real estate? In simple terms, pending means a seller
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Buying a home in Texas can seem like a far-off dream, especially with the average home price now over $335,000. That means a traditional 20% down payment would cost more than $67,000, which isn’t easy to set aside for most buyers. Thankfully, FHA loans make homeownership more affordable. With down payments starting at just 3.5%,
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Quick answer: No, you cannot use a Debt Service Coverage Ratio or DSCR loan for a primary residence. It’s against loan conditions and federal regulations to use DSCR loans for a home you want to live in. They’re only intended for investment properties that provide rental revenue. Let’s say you’re thinking about buying a home.
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Quick Answer: Yes, you for sure can refi without the need for tax returns and use alt income doc options like asset based lending, bank statement loans and DSCR loans. STX lending has helped hundreds of families buy homes that were self employed, business owners and real estate investors. It surprises most, but there are
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Are you a Texas homeowner looking to tap into your property’s equity? Thinking about renovating your home, paying off high-interest debt, or covering a big life expense? A Home Equity Line of Credit (HELOC) could be a smart way to know your home’s value. But if you live in Texas, it’s important to understand that
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As an investor in Texas, you might assume you’re set to get approved for a traditional loan. But then, your tax returns reveal that your income is lower than expected. What now? Here’s where DSCR loans (Debt Service Coverage Ratio loans) come in. Instead of focusing on your personal income, DSCR loans look at the
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