First-time buyer or restarting after a credit setback — FHA opens the door.
San Antonio is a city that rewards buyers who are prepared. For first-time buyers, FHA loans are the most common path to homeownership — and when combined with TSAHC or TDHCA down payment assistance, many San Antonio buyers close with less than $5,000 out of pocket on a $300,000 home. I also work with military families at JBSA who are transitioning from VA eligibility or who are buying for a spouse while one partner is deployed. FHA handles these situations well. Let me show you what's possible for your family.
In the $200K–$280K range, San Antonio has multiple offers on well-priced listings. An FHA offer isn't weaker than conventional — it's about the strength of the pre-approval letter and the speed of your team. I compete at the same level as any conventional offer.
San Antonio FHA approvals move quickly when documentation is clean. I need two years of W-2s or tax returns, 60 days of bank statements, and a government-issued ID. If you have a co-borrower or DPA, I manage all of it in one coordinated submission.
FHA rates in San Antonio are competitive. MIP adds ~$100–$190/month on a typical $290K purchase. TSAHC and TDHCA down payment assistance can cover your 3.5% down and some closing costs.
Absolutely. FHA works well for civilian and military buyers alike in the Lackland, Randolph, and Fort Sam areas. If you have VA entitlement, I'll also show you a VA comparison so you can choose the better option for your situation.
The 2025 FHA loan limit for Bexar County is $524,225 — well above the median San Antonio home price. Most areas of San Antonio qualify, including Alamo Ranch, Stone Oak, Converse, Universal City, and Schertz. Even some Alamo Heights homes fall under the limit.
Yes. A non-occupant co-borrower (like a parent) can be added to an FHA loan to boost qualifying income. They don't have to live in the home, but they do become legally responsible for the mortgage. This is a common strategy for San Antonio buyers whose income alone falls slightly short.
Active duty at JBSA or a veteran coming home — the VA loan is your strongest financial tool.
Learn More →Move-up buyers and investors — flexible conventional financing for every situation.
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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