Serving all of the Rio Grande Valley. ITIN & DACA loans, USDA $0-down, FHA financing with DPA — and 21-day closings. No broker fees, ever. We also serve nearby Brownsville mortgage lender and Laredo mortgage lender markets.
STX Lending serves the entire Rio Grande Valley
No Social Security number? We offer foreign-national mortgage programs and ITIN mortgage loans for eligible buyers who file taxes with an ITIN. DACA recipients are also eligible for FHA and conventional financing. McAllen's binational community deserves a lender who understands it — that's us.
Hablamos español. No credit pull required to start.
McAllen, Edinburg, Mission, Pharr, Weslaco, Harlingen, San Benito — we serve every community in the Rio Grande Valley with the same fast, direct-lender service and no broker fees. Run your numbers in our mortgage calculator or check eligibility for down payment assistance.
Start My ApplicationDirect lender. No markup, no middlemen. Every dollar saved stays at your closing.
From ITIN and DACA loans to USDA $0-down and cross-border income qualification — we match every Valley family to the right loan.
McAllen's binational economy creates a large community of buyers who don't have Social Security numbers but have ITIN numbers, and DACA recipients who need specialized Non-QM financing. We offer ITIN mortgage loans for eligible borrowers — no SSN required. One of the most underserved buyer segments in the Valley.
The Rio Grande Valley has some of the highest USDA eligibility concentrations in all of Texas. Many communities in Hidalgo County — Mission, Palmview, Sullivan City, Penitas, and others — contain USDA-eligible addresses where qualifying buyers pay zero down with no PMI.
McAllen-Edinburg metro's proximity to military communities along the border means a significant veteran population in Hidalgo County. VA loans offer zero down, no PMI, and the lowest available rates for eligible veterans, active duty, and surviving spouses.
McAllen ISD teachers, RGV healthcare workers, and first responders qualify for TSAHC Texas Heroes — a grant of up to 5% of the loan amount toward down payment and closing costs. Stack with FHA financing for the Rio Grande Valley's most accessible first-time buyer combination.
The McAllen Housing Commission offers a Homeownership Program for eligible Housing Choice Voucher holders. If you currently receive HCV/Section 8 assistance, you may be able to convert that voucher toward a mortgage payment instead of rent — a powerful but rarely advertised path to ownership.
McAllen's unique binational economy means many buyers earn income from businesses, employment, or investments on both sides of the border. We have experience structuring loans for buyers with cross-border income documentation — including foreign income, dual employment, and self-employed buyers with international business income.
Property tax is half of your monthly housing cost in Texas. Get an exact estimate for Hidalgo County with homestead exemption math built in.
Estimate my property taxNo bank barriers. No broker fees. A fast path to your RGV closing table — with bilingual support and ITIN expertise built in.
Under 10 minutes on any device. Upload your documents securely. We check USDA maps, ITIN eligibility, DACA guidelines, and TSAHC Heroes DPA automatically at application.
Full underwriting approval in 48 hours. In McAllen's growing buyer's market, a pre-underwritten approval gives you leverage on price, repairs, and seller concessions.
Sign most docs digitally. Meet at a local Hidalgo County title company for keys. Average 21 days close — faster than any regional bank in the Valley.
Our team operates out of our San Antonio office at 1846 N Loop 1604 W, Ste 205, serving McAllen 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 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 Isliana
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 RoxanaWe operate one Texas office and serve Hidalgo County and the Rio Grande Valley borrowers by phone, video, and remote closings.
ITIN loans, USDA $0-down, DACA programs, or conventional — we have a path for every RGV family. No broker fees. Close in 21 days. Hablamos español.