Military veterans, first-time buyers, and investors — we've got the loan for your situation.
San Antonio is one of the best cities in Texas to buy a home — and I make sure my clients take full advantage of that. For military families stationed at JBSA, a VA loan with zero down is usually the smartest move. For civilian first-time buyers, FHA with TSAHC down payment assistance can get you in for very little out-of-pocket. And for investors eyeing duplexes or rental properties, DSCR and conventional loans open the door. Whatever your situation, I know this market and I know how to get you approved.
San Antonio has one of the largest active military populations in the country thanks to JBSA (Fort Sam Houston, Lackland, and Randolph). That means a huge VA loan market — and I'm well-versed in VA guidelines, funding fee waivers, and VA-specific appraisal nuances. Bexar County property taxes run around 2.5%, which affects your DTI more than buyers often expect. I walk every San Antonio client through the real monthly payment number before they fall in love with a house.
Bexar County property taxes average around 2.5% of assessed value. On a $290,000 home, that's about $7,250/year or $604/month added to your payment. I see buyers get surprised by this all the time. Know the real number before you shop.
Active duty and veteran military families, healthcare and biotech workers, first-time buyers using TSAHC/TDHCA DPA, real estate investors targeting multifamily, Hill Country lifestyle buyers
Each program has specific advantages in the San Antonio market. Here's a quick overview — click any to see the full San Antonio-specific page.
First-time buyer or restarting after a credit setback — FHA opens the door.
Active duty at JBSA or a veteran coming home — the VA loan is your strongest financial tool.
Move-up buyers and investors — flexible conventional financing for every situation.
Grow your San Antonio rental portfolio — qualify on property income, not your tax returns.
Own a business in San Antonio? Your bank statements may be all you need to qualify.
Alamo Heights, Boerne, Stone Oak — top-end San Antonio homes need expert jumbo financing.
Complex income? ITIN? Foreign national? There's a loan program for your situation.
"We're active duty at Lackland and had no idea how to use our VA benefit. Rodolfo walked us through every step. We closed on our house with zero down and no PMI. We're saving $400/month compared to renting. He even helped us understand the funding fee waiver since James has a service-connected disability."
Active buying in all zip codes throughout the San Antonio metro area.
I know the San Antonio market inside and out. Free consultation — I'll tell you exactly what you qualify for and what your real monthly payment will be.
NMLS #2248652 · Licensed in Texas · Response in 24 hours or less