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
Top Collin County Mortgage Lender

Plano's
Direct Lender.

From Legacy West to Willow Bend, we help Plano families and corporate relocations close in 21 days — no broker fees, no bank delays, just in-house underwriting. Premium West Plano homes often clear conforming limits, so we handle jumbo financing and standard conventional mortgages equally well. We also serve nearby Dallas home loans, Fort Worth mortgage lender, and Arlington TX home loans markets.

Get My Plano Rate Talk to an Advisor
Est. Monthly Payment
$3,444
Your Rate
5.99%
Loan Amount$575,000
Your Rate5.99%
Lock My Plano Rate

STX Lending serves corporate employees at Plano's top employers

🚗Toyota HQ
🏎️Lexus Corp
💳Capital One
🛡️Liberty Mutual
📡Ericsson
🏠Fannie Mae
🏢Rent-A-Center
🎬Cinemark
$575K
Median Home Price
Collin County 2026
28
Avg Days on Market
West Plano Listings
21 Days
Avg Close Time
STX Guarantee
10/10
School Rating
Plano ISD Ranking

Corporate Relo
Specialists.

Toyota. Capital One. Liberty Mutual. We close relo mortgages for them every week — fully underwritten, HR-coordinated, and 21-day closes as standard. Many Plano executives also benefit from a physician loan if they're medical professionals, or a VA loan if they've served.

Start My Corporate Relo
Jumbo Experts

West Plano homes start at $700K. We go well beyond conforming limits.

30-Year Fixed5.99%
Jumbo 30-Year6.25%
15-Year Fixed5.49%
Plano Loan Programs

Plano Home
Loan Options.

From corporate relocations to West Plano Jumbo purchases — we match you to the program that makes the most financial sense.

🏢PLANO SPECIALTY

Corporate Relo Loans

Toyota, Capital One, Liberty Mutual relocating to Plano? We close 21-day relocations all the time. We work with your HR team to streamline paperwork and qualify complex comp packages.

Start My Relo Loan
🏆WEST PLANO

Jumbo Loans

West Plano and Willow Bend properties frequently exceed the $832,750 conforming limit. Our Jumbo programs start right there with competitive rates and flexible underwriting.

Explore Jumbo
🏠MOST POPULAR

Conventional Loans

From 3% down for first-time buyers to portfolio programs with no mortgage insurance. The right conventional structure saves thousands over the life of your Collin County mortgage.

Get a Rate Quote
💻TECH INCOME

RSU & Stock Option Loans

Executives at Toyota, Ericsson, and Fannie Mae often have complex comp packages with RSUs and bonuses. We know how to qualify this income properly — most banks don't.

Check My Income
🤝3.5% DOWN

FHA Loans

Great for first-time buyers entering Plano's East side or Allen/McKinney. Flexible credit requirements and low down payment with FHA programs backed by our in-house team.

See FHA Options
💵TAP EQUITY

Texas Cash-Out Refi

Plano homeowners have seen strong appreciation. Tap equity for home improvements, debt payoff, or investment — fully structured under Texas's unique 50(a)(6) cash-out rules.

Calculate My Equity
Plano property tax

See your real Plano property tax bill.

Property tax is half of your monthly housing cost in Texas. Get an exact estimate for Collin County with homestead exemption math built in, then run the numbers in our mortgage calculator.

Estimate my property tax
Quick example
$400,000 home
Collin County, with homestead exemption
Annual
$6,300
Monthly
$525
The STX Workflow

From Click
to Keys.

Designed for busy Plano professionals. No bank bureaucracy. Just a clear, fast path to your closing table.

01

Apply in Minutes

Our digital application syncs your bank data securely. No faxing documents. No PDFs. Under 10 minutes for most Plano buyers.

02

Lock & Compete

Receive a fully underwritten approval letter within 48 hours. Compete with confidence against cash buyers in West Plano's fast-moving market.

03

Close at 21 Days

Sign docs online. Meet at a local Collin County title company just for the keys. Our average close time is 21 days — a 4x industry advantage.

Your Team for
Plano Loans.

Our team operates out of our San Antonio office at 1846 N Loop 1604 W, Ste 205, serving Plano 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
Christian Radulescu

Christian Radulescu

Mortgage Loan OriginatorNMLS #2733016

Christian Radulescu spent 20 years in mechanical engineering, most recently as Director of Engineering managing more than 20 engineers and project managers. He grew up in the Pacific Northwest as...

Meet Christian
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 Plano
from San Antonio.

We operate one Texas office and serve Collin County and North Texas borrowers by phone, video, and remote closings.

Branch Office1846 N Loop 1604 W, Ste 205San Antonio, TX 78248
Phone(210) 750-6164

Plano Questions

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