From the Pearl to Stone Oak, we help Alamo City families finance their dreams with local expertise and 21-day closings. We are a direct mortgage lender in San Antonio with in-house underwriting.
Est. Monthly Payment
Your Rate
5.99%
Trusted by San Antonio Families
Faster than any national lender. We know the Bexar County title process inside and out.
Updated every 15 minutes.
Use our free calculators to plan your purchase or refinance before you apply.
We stripped away the bank bureaucracy. Here is your new path home in San Antonio.
Sync your bank data securely. No PDFs or faxing tax returns.
Get a verified approval letter that is as good as cash to San Antonio sellers.
Sign 90% of docs online. Show up to a local title company for the keys.
Our team operates out of our San Antonio office at 1846 N Loop 1604 W, Ste 205, serving San Antonio 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 #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
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 AndreeasWe operate one Texas office and serve San Antonio borrowers by phone, video, and remote closings.
Buying a home in the San Antonio area requires a lender who understands the unique pace and complexities of the Central Texas market. From strict property tax assessments in Bexar County to writing winning offers in multiple-bid scenarios, STX Lending provides the local advantage you need.
"STX Lending was incredible. As a military family relocating to San Antonio, we needed someone who understood the VA process and could close fast. They delivered exactly what they promised."
Every buyer is different. We match you with the program that saves the most money, not the one easiest for us to sell.
$0 down payment for eligible veterans, active duty, and surviving spouses. We are VA loan specialists serving Fort Sam Houston, Randolph, and Lackland AFB.
As low as 3% down for first-time buyers. Ideal for borrowers with strong credit and steady employment in San Antonio's growing job market.
Down payments as low as 3.5% with flexible credit requirements. A great path to homeownership in Bexar County for buyers building their credit profile.
Finance homes above the conforming loan limit with our competitive Jumbo programs. Perfect for Stone Oak, Alamo Heights, and Terrell Hills luxury properties.
Leverage your San Antonio home's equity. Texas has unique cash-out rules (80% LTV max) — we specialize in structuring these correctly to protect your interests.
Qualifying San Antonio buyers may receive grants or forgivable loans through TSAHC and other Texas programs. We'll find the money before you spend yours.
Property tax is half of your monthly housing cost in Texas. Get an exact estimate for Bexar County with homestead exemption math built in.
Estimate my property taxSTX Lending is licensed across all of Texas. Find your city below.
Every buyer is different. Browse all programs or talk to an advisor.