The Best Mortgage Lenders in San Antonio, FL
Compare verified mortgage lenders serving San Antonio, Florida. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in San Antonio
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a top-rated lender with a strong local presence in Pasco County, serving San Antonio and surrounding areas. Known for exceptional customer service and competitive rates, they have consistently high ratings on platforms like Zillow and Better Business Bureau. Their loan officers are experienced in handling various mortgage types, including first-time homebuyer programs, and they prioritize personalized service with fast closing times. With over 28 years in business, they have built a reputation for reliability and community involvement in the Tampa Bay region.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a highly-rated national lender with a significant footprint in Florida, including service to San Antonio. They excel in customer satisfaction, offering streamlined online processes and in-person support through local loan officers. Founded in 2008, they have grown rapidly by focusing on competitive rates and efficient closings, often completing loans in as little as 30 days. Their commitment to community support and transparent lending practices has earned them numerous awards and strong reviews from homebuyers in the area.
Loan Types:
Suncoast Credit Union
Suncoast Credit Union
As Florida's largest credit union, Suncoast Credit Union has a long-standing reputation for excellent mortgage services in the San Antonio area and throughout Pasco and Hillsborough Counties. They offer member-focused lending with competitive rates, low fees, and a variety of loan options tailored to first-time and experienced homebuyers. Despite being founded in 1934, their mortgage division maintains high customer satisfaction ratings due to personalized service, local decision-making, and strong community ties. They are known for their reliability and extensive branch network, making them a trusted choice for residential mortgages.
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Frequently Asked Questions
Common questions about mortgage lending in San Antonio, FL
What are current mortgage rates like in San Antonio compared to national averages?
San Antonio mortgage rates typically align closely with national averages, though they can be slightly lower due to Texas' competitive lending market. As of recent data, rates in San Antonio range from 6.5% to 7.5% for 30-year fixed mortgages, depending on credit score and loan type. Local lenders often offer competitive rates to attract buyers in San Antonio's growing housing market.
Are there any first-time homebuyer programs specific to San Antonio?
Yes, San Antonio offers several local first-time homebuyer programs including the S.A. Ready to Own! program, which provides down payment assistance up to $7,500. The City of San Antonio Department of Human Services also offers mortgage credit certificates that can save buyers thousands in taxes. These programs are specifically designed to help with San Antonio's unique affordability challenges.
How does San Antonio's property tax rate affect my mortgage payments?
San Antonio's property tax rates are among the highest in Texas, typically ranging from 2.2% to 2.8% of home value. This significantly impacts your monthly mortgage payment since lenders include property taxes in escrow calculations. Bexar County's rates mean your total monthly payment could be several hundred dollars higher than in cities with lower property taxes.
What special considerations should I know about buying a home in San Antonio's flood zones?
Many areas in San Antonio require flood insurance due to the city's susceptibility to flash flooding, particularly in neighborhoods near creeks and rivers. Lenders will mandate flood insurance if your property is in a FEMA-designated flood zone, adding $500-$2,000 annually to your housing costs. Always check flood maps before making an offer in San Antonio.
Are there any local loan programs for military families in San Antonio?
Given San Antonio's large military presence, many local lenders offer specialized VA loan programs with competitive terms. Some San Antonio credit unions and banks provide additional benefits like reduced funding fees or streamlined processing for military personnel. The city's strong understanding of military pay and benefits makes the lending process smoother for service members.
Nearby Cities
Explore mortgage lenders in cities near San Antonio, FL
Why Choose a Mortgage Lender in San Antonio?
Local Market Knowledge
Lenders who understand San Antonio's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Florida.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in San Antonio and get competitive rates on your home loan.