STX Lending, Texas Mortgage Lender
  • Rates
(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
Equal Housing Lender
Talk to Ben(210) 750-6164
No SSN • 60 SecSee Options
Home>Team>Ben Gheliuc
Ben Gheliuc

Ben Gheliuc

Branch Manager & Loan Originator · NMLS #1775990

South Texas Lending and STX Lending are trade names of Neighborhood Loans, Inc. NMLS #222982.

Ben Gheliuc runs the STX Lending branch in San Antonio. Before mortgages, he spent over a decade as a mechanical engineer managing large commercial projects. He moved into the mortgage industry in 2020 and was named a National Mortgage News Top Producer for 2025. He has closed loans for hundreds of Texas families across conventional, FHA, VA, and non-QM programs, and the team he leads focuses on fast closings and clear pricing.

Expertise

MortgageHome Loans

Credentials

  • NMLS #1775990
  • Branch Manager — STX Lending
  • NMLS #1775990
  • Licensed in 10+ states

Recent Articles by Ben

View all articles →
How to Get the Deed to Your House (Your Lender Doesn't Have It)
9 min read

How to Get the Deed to Your House (Your Lender Doesn't Have It)

Can You Use a 401(k) to Buy a House?
14 min read

Can You Use a 401(k) to Buy a House?

What Are Zoning Laws in Texas? How Zoning Affects the Home You Buy
12 min read

What Are Zoning Laws in Texas? How Zoning Affects the Home You Buy

How to Refinance an Investment Property
9 min read

How to Refinance an Investment Property

Can Closing Costs Be Rolled Into Your Mortgage? A Texas Homebuyer's Guide
12 min read

Can Closing Costs Be Rolled Into Your Mortgage? A Texas Homebuyer's Guide

FHA Flip Rule in 2026: How the 90-Day Flipping Rule Really Works
19 min read

FHA Flip Rule in 2026: How the 90-Day Flipping Rule Really Works

What's the Minimum Down Payment on a Conventional Loan in San Antonio?
9 min read

What's the Minimum Down Payment on a Conventional Loan in San Antonio?

What Are Points in Refinance? Complete Texas Guide to Discount Points
14 min read

What Are Points in Refinance? Complete Texas Guide to Discount Points

Mortgage Pre-Approval: Complete Guide to Getting Approved Fast
13 min read

Mortgage Pre-Approval: Complete Guide to Getting Approved Fast

Closing Costs: The Complete Homebuyer Guide for Texas
11 min read

Closing Costs: The Complete Homebuyer Guide for Texas

What Does Pending Mean in Real Estate? Pending vs. Contingent, Explained
10 min read

What Does Pending Mean in Real Estate? Pending vs. Contingent, Explained

Home Equity Loan vs HELOC: Which Is Right for You?
9 min read

Home Equity Loan vs HELOC: Which Is Right for You?

Can You Use a DSCR Loan for a Primary Residence?
13 min read

Can You Use a DSCR Loan for a Primary Residence?

Can You Refinance Without Tax Returns? Complete Guide for 2026
13 min read

Can You Refinance Without Tax Returns? Complete Guide for 2026

HELOC Loans in Texas: Your Complete Guide to Home Equity Lines of Credit (2026)
27 min read

HELOC Loans in Texas: Your Complete Guide to Home Equity Lines of Credit (2026)

VA Loan Statement of Service Letter: Complete 2026 Guide
10 min read

VA Loan Statement of Service Letter: Complete 2026 Guide

DSCR Loans in Texas: The Investor's Complete Guide
12 min read

DSCR Loans in Texas: The Investor's Complete Guide

Should I Use My 401(k) to Pay Off My House?
11 min read

Should I Use My 401(k) to Pay Off My House?

VA Loan Credit Score Requirements for Purchase and Refinance
14 min read

VA Loan Credit Score Requirements for Purchase and Refinance

Changing Jobs After Mortgage Approval: What Pitfalls to Avoid
6 min read

Changing Jobs After Mortgage Approval: What Pitfalls to Avoid

How Long Does a Seller Have to Accept an Offer?
6 min read

How Long Does a Seller Have to Accept an Offer?

Prepaid Costs When Buying a Home
5 min read

Prepaid Costs When Buying a Home

What Is the Difference Between a Dry Close and a Wet Close?
4 min read

What Is the Difference Between a Dry Close and a Wet Close?

How to Switch Mortgage Lenders Before Closing
6 min read

How to Switch Mortgage Lenders Before Closing

Does Being in Collections Make Me Ineligible for an FHA Loan?
7 min read

Does Being in Collections Make Me Ineligible for an FHA Loan?

Credit Score Dropped Before Closing House
12 min read

Credit Score Dropped Before Closing House

VA Flipping Guidelines & Tax Transcript Guide
7 min read

VA Flipping Guidelines & Tax Transcript Guide

FNMA Rental Income: Complete Guide for Mortgage Qualification
8 min read

FNMA Rental Income: Complete Guide for Mortgage Qualification

What Is an Impound Account and How Does It Work?
10 min read

What Is an Impound Account and How Does It Work?

Mortgage Glossary and Common Mortgage Terms
3 min read

Mortgage Glossary and Common Mortgage Terms

Talk to Ben

Get personalized mortgage guidance directly from a Texas-licensed loan officer. No pressure, no obligation.

NMLS #222982 · Soft pull only
(210) 750-6164