Take advantage of first-time home buyer grants. South Texas Lending gives you the advantage to win offers and close in 21 days or less.
Win more offers by negotiating with the seller on a closing time that rivals others.
With in-house underwriting and Texas processing there are no middlemen and no unnecessary delays to your loan.
Because we are a direct lender, there are no junk fees like origination or broker fees. You get to save more by using South Texas Lending.
We offer lots of different programs including jumbo financing and bridge loans to qualify off of unique income or tough credit scenarios. All specialty programs available, we'll have an option.
Purchase Guidelines
Look at the full array of purchase options including conventional, FHA, and VA tailored for your Texas home. Click any loan program to learn the requirements, guidelines, and next steps.
With low barrier to entry credit profiles and down payment assistance, we will have plenty of first-time homebuyer options in Texas.
Grants, education & special programsGet access to local city grants that cover your down payment and closing costs, minimizing your out-of-pocket or cash to close.
View GuidelinesGAIN government programs that offer lower down payments and easier credit profiles for underwriting decision-making.
View GuidelinesFor buyers of strong credit conventional is a great program coming with as little as 3% down.
View GuidelinesFinance the lot and the construction of your home or spec build with one-time closing.
View GuidelinesGet a home that needs some rehab and finance the rental costs right into one loan.
View GuidelinesSpecialty physician loans are for doctors and dentists with no down payment and no PMI.
View GuidelinesSecure the best piece of Texas real estate even if you're not ready to build just yet.
View GuidelinesBuy now and make a strong offer while not needing to sell your home right away.
View GuidelinesBoth Fannie and Freddie have affordable programs with 3% down, minimal private mortgage insurance, and non-borrowing income inclusions.
View GuidelinesBring your rate down 1%, 2%, or 3% which is all funded by seller concessions.
View GuidelinesManufactured at home and land together with FHA, VA, and conventional. Slightly different pricing but still flexible.
View GuidelinesEstimate & Explore
Calculate the numbers before making a commitment. Find out what the monthly payments are using our mortgage calculator and read the complete pre-approval guide.
Get the full monthly payment that includes principal, interest, taxes, and home insurance.
Find out how much you can get pre-approved for based off of your current income and liabilities.
Estimate your annual Texas property tax with homestead exemption math built in.
When purchasing a home, it's one of the biggest life decisions you'll make. Read our complete closing costs guide and check how much home you can afford before you start.
Get pre-approved in minutes with no credit impact. Don't let your dream home slip away.