Move-up buyers and investors — flexible conventional financing for every situation.
San Antonio's growing economy means buyers who purchased starter homes 5–7 years ago now have significant equity and are ready to move up. Conventional loans are the natural next step — no FHA MIP, flexible property types, and the ability to finance a second home or investment property that FHA won't touch. Whether you're moving from Converse to Stone Oak or buying your first rental property in the Medical Center area, conventional is the tool.
San Antonio's appreciation has been steady but not explosive — buyers who want to refinance out of FHA MIP should check their current appraised value against their loan balance. I can pull a quick estimate to see if a refinance makes sense today.
Clean income documentation, strong credit, and a clear picture of all assets are the keys to fast conventional approval in San Antonio. I submit complete files that don't generate underwriting conditions.
Conventional rates in San Antonio are tier-priced by credit score and LTV. With 20% down and a 740+ score, you get the cleanest pricing. PMI costs 0.5–1% annually on the loan amount and cancels automatically at 78% LTV.
The conforming loan limit for Bexar County is $806,500 for a single-family home. Above this is jumbo territory. San Antonio's median home price is well below this, so most San Antonio buyers stay comfortably within conventional limits.
Conventional works for acreage properties, but lenders look carefully at the value of the improvements (the house) vs. the land. Properties where the land value exceeds the improvement value can be harder to finance conventionally. I'll evaluate the specific property to determine the best path.
First-time buyer or restarting after a credit setback — FHA opens the door.
Learn More →Active duty at JBSA or a veteran coming home — the VA loan is your strongest financial tool.
Learn More →Grow your San Antonio rental portfolio — qualify on property income, not your tax returns.
Learn More →Free consultation. I'll tell you exactly what you qualify for in San Antonio and what your real monthly payment will be. Pre-approval in 24 hours.
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