America's largest inland port deserves a smarter lender. City DPA up to $30K, ITIN loans, USDA $0-down, and 21-day closings. No broker fees — ever. We also serve nearby McAllen mortgage lender and Brownsville mortgage lender markets.
STX Lending serves Laredo and all of Webb County
Laredo's city-administered down payment assistance is the most generous in our entire Texas portfolio. A 0% interest-free loan of up to $30,000 that is 100% forgiven after 10 years of primary residency. No payments, no interest — just stay in your home. Available for FHA, VA, USDA, and conventional financing. Nobody else in Laredo is making this easy to access.
Takes under 3 minutes. No credit pull. Hablamos español.
From the $30K city DPA and ITIN loans to USDA $0-down and international trade income qualification — we have a path for every Webb County buyer.
The City of Laredo's First-Time Homebuyers Program offers up to $30,000 in 0% interest-free, forgivable assistance — forgiven in full after 10 years of primary residency. This is the largest city-administered DPA we offer across all of our Texas locations. Income limits apply (80% AMI), max purchase price $251K for new homes. We coordinate directly with the city program.
Webb County has substantial USDA-eligible geography around Laredo's urban limits. Many addresses in outlying communities qualify for $0-down, no-PMI USDA financing. With Laredo's $239K median, USDA ($0 down) stacked with competitive rates creates one of the lowest total payment points in Texas.
Laredo's binational trade economy creates one of the highest concentrations of ITIN-filing homebuyers in Texas. We offer Non-QM ITIN loans to eligible buyers with documented income, alternative credit, and 10–20% down. No Social Security number required — no other local lender specializes in this.
Laredo's proximity to military installations and CBP employment creates a meaningful veteran and active duty population in Webb County. VA loans offer $0 down, no PMI, competitive rates, and flexible qualification. We are VA specialists who guide buyers through the unique VA appraisal requirements.
UISD and LISD teachers, Laredo Medical Center nurses, first responders, and veterans qualify for TSAHC's Texas Heroes program — a non-repayable DPA grant up to 5% of the loan amount. Stack with FHA financing for maximum DPA at minimum credit score thresholds.
Laredo is the largest inland port on the US-Mexico border. Many residents earn income through international trade businesses, customs brokerage, import/export operations, or dual employment. We structure mortgages for buyers with cross-border business income — including international bank statements and foreign-sourced documentation.
Property tax is half of your monthly housing cost in Texas. Get an exact estimate for Webb County with homestead exemption math built in.
Estimate my property taxUnder 10 minutes on any device. We check $30K city DPA eligibility, USDA maps, ITIN availability, and TSAHC Heroes grants automatically. Hablamos español.
Full underwriting approval in 48 hours. A city DPA-coordinated, pre-underwired approval gives you real negotiating leverage in Laredo's balanced market.
Sign docs digitally. We coordinate city DPA disbursement with Laredo's program office. Meet at a Webb County title company for the keys — average 21 days.
Our team operates out of our San Antonio office at 1846 N Loop 1604 W, Ste 205, serving Laredo 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
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
Senior Processor
Christy oversees the loan processing pipeline, making sure every file moves smoothly from application to clear-to-close. She writes about underwriting, document prep, and the steps that quietly...
Meet ChristyWe operate one Texas office and serve Webb County borrowers by phone, video, and remote closings.
Check your $30K city DPA eligibility, lock your rate, and close in 21 days. No broker fees, ITIN loans available. Hablamos español.