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>Locations>Fort Worth
⭐ 5-Star Rated Tarrant County Direct Lender

Rated Top Fort Worth
Mortgage Lender.

Skip the big bank delays. We offer Fort Worth families guaranteed 21-day closings, highly competitive rates, and zero broker junk fees. As a direct lender with in-house underwriting, your path to the closing table starts right here in Tarrant County.

Get Started View Rates

Est. Monthly Payment

$1,934

Your Rate

7.375%

Home Price$350,000
Interest Rate7.375%
See My Options
⭐ In-House Underwriting⏱️ Local 21-Day Closings🤝 Direct Fort Worth Lender💰 No Broker Junk Fees

Trusted by Fort Worth Families

Corporate RelocationsLockheed MartinAmerican AirlinesBNSF ExecutivesSouthlakeKeller

21-Day
Close.

Faster than any national lender. We know the Tarrant County title process inside and out.

Live Rates.

Updated every 15 minutes.

Free Tools

Run the Numbers for Fort Worth

Use our free calculators to plan your purchase or refinance before you apply.

All 17 Calculators
🏠

Mortgage Calculator

Estimate your monthly payment

💰

Home Affordability

See how much home you can buy

📉

Refinance Calculator

Calculate your refi savings

⚖️

Rent vs. Buy

Is buying better than renting?

The STX Workflow

From Click
to Keys.

We stripped away the bank bureaucracy. Here is your new path home in Fort Worth.

Apply in Minutes

Sync your bank data securely. No PDFs or faxing tax returns.

Lock & Shop

Get a verified approval letter that is as good as cash to Fort Worth sellers.

Close Locally

Sign 90% of docs online. Show up to a local title company for the keys.

Your Team for
Fort Worth Loans.

Our team operates out of our San Antonio office at 1846 N Loop 1604 W, Ste 205, serving Fort Worth borrowers via phone, video, and remote closings. Texas-licensed and dedicated to fast, transparent service.

Ben Gheliuc

Ben Gheliuc

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
Roxana Iorgoni

Roxana Iorgoni

Mortgage Loan OriginatorNMLS #2781461

Roxana Iorgoni is a Mortgage Loan Originator licensed in Texas, California, and Washington. She has a Bachelor's degree in Accounting and spent more than 15 years co-running a multi-location...

Meet Roxana
Andreeas Marchis

Andreeas Marchis

Loan Partner

Andreeas Marchis is a Loan Partner at STX Lending. He works alongside the originators to keep files moving, spending most of his time on income calculations, asset reviews, and the underwriting...

Meet Andreeas

Serving Fort Worth from San Antonio

We operate one Texas office and serve Fort Worth borrowers by phone, video, and remote closings.

  • Branch Office1846 N Loop 1604 W, Ste 205 San Antonio, TX 78248
  • Phone(210) 750-6164
Fort Worth
Local Texas Expertise

Navigating the Fort Worth Real Estate Market.

Buying a home in the Fort Worth area requires a lender who understands the unique pace and complexities of the Central Texas market. From strict property tax assessments in Tarrant County to writing winning offers in multiple-bid scenarios, STX Lending provides the local advantage you need.

  • Deep expertise in Tarrant County property tax rates and MUD.
  • Specialized VA loans for residents near NASJRB Fort Worth.
  • Portfolio and Jumbo loan options for Westover Hills and Southlake properties.
Verified Closer
"We were relocating to Fort Worth for a new role at Lockheed Martin and needed to close fast on a home in Aledo. STX Lending not only beat the rates we were quoted by a national bank, but their team handled our strict timeline seamlessly. We closed in 15 days and beat out five other offers because our approval was rock solid."
M
Marcus & Jessica T.
Bought in Aledo, TX
Loan Programs

Fort Worth Home
Loan Options.

Every buyer is different. We match you with the program that saves the most money, not the one easiest for us to sell.

🎖️MOST POPULAR

VA Home Loans

$0 down for veterans and active duty near NASJRB Fort Worth. We are VA specialists serving all of Tarrant County.

Check VA Eligibility
🏙️LOW RATES

Conventional Loans

As low as 3% down for buyers with strong credit. Perfect for Southlake, Keller, and Alliance Corridor properties.

Get a Rate Quote
🏛️LUXURY

Jumbo Loans

Finance Southlake and Westover Hills properties above the conforming limit with our competitive Jumbo programs.

Explore Jumbo
🤝FLEXIBLE

FHA Loans

Down payments as low as 3.5% with flexible credit — a great path for Fort Worth first-time buyers.

See FHA Options
⬇️GRANTS AVAILABLE

Down Payment Assistance

Qualifying Fort Worth buyers may receive TSAHC grants or forgivable second liens to reduce cash needed at closing.

Check My Eligibility
💵TAP EQUITY

Texas Cash-Out Refi

Leverage your Fort Worth equity. Texas cash-out rules cap at 80% LTV — our team structures these correctly.

Calculate Your Equity
Fort Worth property tax

See your real Fort Worth property tax bill.

Property tax is half of your monthly housing cost in Texas. Get an exact estimate for Tarrant County with homestead exemption math built in.

Estimate my property tax
Quick example
$400,000 home
Tarrant County, with homestead exemption
Annual
$6,480
Monthly
$540

Fort Worth Questions

More Texas Cities We Serve

STX Lending is licensed across all of Texas. Find your city below.

San Antonio, TXHouston, TXDallas, TXAustin, TXCorpus Christi, TXEl Paso, TXPlano, TXArlington, TXAmarillo, TXWaco, TXLubbock, TXMcAllen, TXBrownsville, TXLaredo, TXView All Locations →

Explore All Loan Programs

Every buyer is different. Browse all programs or talk to an advisor.

All Loan Programs
VA LoansFHA LoansConventional LoansJumbo LoansUSDA LoansDSCR LoansConstruction LoansDown Payment AssistanceFirst-Time BuyerTexas Cash-Out RefiBank Statement LoansPhysician Loans

Ready to Buy in Fort Worth?

See Loan Options