Questions? We're Here 24x7 Call 210-750-6164


Get the Support you need

To be more than just a mortgage banker. We strive to provide 5 star, professional service in all your mortgage lending needs, in all loan types. Loan processing is done in San Antonio which provides more control over the loan process.

  • Support Service

    Call our 24x7 mortgage line to get help with your loan application.

  • Refinance Rates

    Get instead Mortgage rates and loan options that best fit your needs

Learn More

The Vision of STX Lending is to disrupt the mortgage market and the entire loan process. Provide Transparent rates and pricing while maintaining the highest level of customer service

  • Support Service

    Call our 24x7 mortgage line to get help with your loan application.

  • Refinance Rates

    Get instead Mortgage rates and loan options that best fit your needs

Learn More
Image1 Shape

24/7 Support

Our mortgage hotline, ability to test and availablity on weekends is what sets us and our team apart from other lenders.

# How we do it

Our Loan Process

Our Unique fast pass approach will allow our team to finish the mundane tasks that are required on all mortgage loans before putting offers on any homes. That way once under contract, you will have the competitive advantage to compete against cash offers.


Find A Own Loan Type

  • All
  • Purchase
  • Refinance

Conventional Fixed Loan

Ranging a down payment form 5% to 20%, get the best interest rate and terms for your loan.

Read More

Homeready Fannie Loan Program

A Great product with Qualifying income, 3% down payment

Read More

High Balance Mortgage

Live in a high cost area? no worries, we got you covered with the most competitive rate options!

Read More

FHA 203k Rehab Loan

Refinance or purchase with a 203k loan and get paid to Renovate your home.

Read More

VA Loans For Military

Buy a new home with zero down and save for furnishing your home

Read More

Conforming Loan Limit

The Current 2022 Conventional Loan limit is $647,200.

Read More

Down Payment Assistance Program

Buy a home with Down payment assistance and avoid your down payment all together.

Read More

Condo, Townhome and Condotel Loans

STX Lending offers regular loan products for all these homes!

Read More

Get Pre-approved by a San Antonio Mortgage Lender today

San Antonio, TX, is said to be one of the best-hidden gems in Texas. With a population of just over 1.6 million people, alamo city (home of the San Antonio Spurs) has many things to offer! Ben Gheliuc, a lead for the South Texas Lending team, is THE San Antonio Mortgage lender that will assist in closing your home loan fast.

Suppose you are relocating from within Texas to San Antonio, TX. In that case, you must contact a local lender (like STX Lending) and a real estate agent to give insight into what areas you might be looking to purchase within. 

No matter what mortgage lender you decide to work with, ensure you are looking for these things:

  • Localized underwriters that your loan officer can communicate with
  • An official loan estimate to review before committing to that lender
  • A Mortgage Company within San Antonio that offers the most competitive rate.

Purchase Home Loan Options in San Antonio

If you’ve been searching to purchase a new home in Bexar county, STX Lending has definitely got you covered.  Whether it is a conventional loan, FHA or a loan product with down payment assistance there are options for many new homeowners that will allow you to purchase instead of renting. 

Work in sync with a local loan officer in San Antonio, TX, and select the best loan program. STX Lending will offer and honor the most competitive rate you will find no matter what; it’s what our lending platform was built on. Once complete, your mortgage loan will be submitted to underwriting.


Image Shape2
  • How Do You Qualify For A Loan?

    The typical process involves submitted a mortgage application with the lender of your choice. Once you do that, you'll then have to uploads the last 30 days of your paystubs, your most recent W-2 if employed and tax returns if your self-employed.

  • What is the Best Type Of Loan To Get?

    The best loan program will greatly depend on your current credit score and financial situation (Income to qualify and what your down payment would be) If you have above a 700 fico and putting at least 5% down, most of the time conventional might be the best route to go.

  • Can You Get A Mortgage Without A Credit Score?

    Most secondar Markets will not purchase a QM (Qualified Mortgage) loan if all borrowers on a loan do not have any credit history at all. Fannie Mae and Freddie as of June 2022 just came out with new guidelines that allow 12 mo' of rental history to be a compensating factor to be included for borrowers that do not have a credit score. If you don't think you have any credit history, call our mortgage hotline to talk to a loan officer and see what alternative options there are.

  • Difference Between Conventional and FHA?

    The biggest difference between a conventional loan and an FHA loan is that an FHA loan will yield a better interest rate, although your MIP (Mortgage insurance Premium), same as PMI will not be removed for the life of the loan. For Conventional, once you reach 20% equity or an 80% LTV (Loan to Value), then mortgage insurnace per the loan servicer is required by law to remove it from your payment.

  • How Much Will Be Housing Payment Be?

    Your Mortgage payment will consist of these four main elements : Principal & Interest , Taxes , Home Insurance and Mortgage Insurance (if putting less than 20% down). Selecting and shopping for the best interest rate as well as your down payment make the largest impact to your total monthly mortgage payment becoming smaller or larger from projections.

  • What Credit Score Do I Need To Get Approved?

    For Conventional loans, you will typically need at least a 620 credit score. FHA and VA do let you go down to a 550 credit score, but some lenders put restrictions on this and will often times tell you it is 620 for government loans as well, which is lender specific.

  • What do I look for in a Local Lender?

    When Shopping for a Mortgage Broker in San Antonio, you need to assess them and see if they actually know their local market. This means how to win an offer, if they are up-front underwriting your loan and calling all parties of the transaction to communicate on your behalf.

Learning Center

Latest Mortgage News

Our Service Locations

South Texas Region

The Woodlands

Corpus Christi
South Padre Island

North Texas Region

Wichita Falls

Fort Worth

Central Texas Region

San Antonio
Round Rock

San Marcos

South Texas Region

El Paso

New Braunfels