From SpaceX relocation to first-time buyers — we help Cameron County families close in 21 days. City HBA $25K DPA, ITIN loans, USDA $0-down, and no broker fees. We also serve nearby McAllen mortgage lender and Laredo mortgage lender markets.
STX Lending serves Brownsville and all of Cameron County
The City of Brownsville's Homebuyer Assistance Program provides a no-interest, deferred loan up to $25,000 in down payment assistance for eligible first-time buyers. No monthly payments required — just stay in your home. Administered by the CDCB, and almost no lenders in Brownsville are actively making it easy to access. Pair this grant with an FHA loan to dramatically reduce cash needed at closing.
Takes under 3 minutes. No credit pull required.
From SpaceX relocation mortgages to ITIN loans, city HBA grants, and USDA $0-down — we have a path for every Cameron County buyer.
The City of Brownsville Homebuyer Assistance (HBA) Program offers up to $25,000 as a no-interest, deferred loan toward down payment and closing costs for eligible first-time buyers at or below 80% AMI. Administered by the Community Development Corporation of Brownsville (CDCB) — virtually zero local lenders feature it prominently.
Cameron County contains numerous USDA-eligible rural addresses, especially outside Brownsville's core. La Feria, Combes, Rio Hondo, Los Fresnos, and other nearby communities may qualify for $0-down, no-PMI USDA financing. We verify any specific address instantly.
Brownsville's binational community has a large population of ITIN-filing, creditworthy buyers who lack SSNs. We offer Non-QM ITIN mortgage loans to eligible buyers with documented income history and a 10–20% down payment. No SSN required. One of the least-served buyer segments in South Texas.
SpaceX's Starbase facility at Boca Chica is one of the most talked-about employers in South Texas history. Aerospace engineers and technical staff relocating to Brownsville need fast, relocation-capable mortgage solutions — including offer-letter underwriting and rapid closings to match relo timelines.
VA loans for veterans, active duty, and surviving spouses in Cameron County. $0 down, no PMI, competitive fixed rates. We are VA specialists who navigate the appraisal process with expertise to keep closings on track.
Brownsville ISD teachers, Valley Baptist nurses, and first responders qualify for TSAHC's Texas Heroes program — a non-repayable DPA grant of up to 5% of the loan amount. Stack it with an FHA loan for the most accessible first-time buyer path in South Texas.
Property tax is half of your monthly housing cost in Texas. Get an exact estimate for Cameron County with homestead exemption math built in, then run the full payment in our mortgage calculator.
Estimate my property taxUnder 10 minutes. We check Brownsville HBA eligibility, USDA maps, ITIN availability, and TSAHC Heroes DPA automatically. Hablamos español.
Full underwriting approval in 48 hours. In Brownsville's buyer-friendly market, a strong pre-approval gives you real negotiating leverage on price and repairs.
Sign documents digitally. We coordinate city HBA and CDCB disbursement directly. Meet at a local Cameron County title company for the keys.
Our team operates out of our San Antonio office at 1846 N Loop 1604 W, Ste 205, serving Brownsville borrowers via phone, video, and remote closings. Texas-licensed and dedicated to fast, transparent service.
Branch Manager & Loan OriginatorNMLS #1775990
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...
Meet Ben
Mortgage Loan OfficerNMLS #1013126
Mary Gale is a Mortgage Loan Officer at STX Lending and has been licensed in the industry since 2020. Before mortgages she spent more than seven years as an Executive Assistant and Bookkeeper at a...
Meet Mary
Mortgage Loan OriginatorNMLS #1183936
Isliana Norwood has been originating mortgages in San Antonio for 12 years. She started in college as a Loan Officer Assistant and stayed in the industry because she liked the work of getting...
Meet IslianaWe operate one Texas office and serve Cameron County borrowers by phone, video, and remote closings. Hablamos español.
Check your HBA eligibility, Lock your rate, and close in 21 days. No broker fees, ITIN loans available. Hablamos español.