The Best Mortgage Lenders in Boerne, TX
Compare verified mortgage lenders serving Boerne, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Boerne
Featured Mortgage Lenders
Randolph-Brooks Federal Credit Union
Randolph-Brooks Federal Credit Union (RBFCU)
As one of the largest credit unions in Texas with a physical branch in Boerne, RBFCU consistently earns top ratings for mortgage lending. They offer highly competitive rates, exceptional member service, and a wide variety of loan products. Their local presence combined with their not-for-profit structure allows them to provide some of the most favorable terms in the region. With over 70 years of experience serving Texas communities, they have built a reputation for personalized service and streamlined mortgage processes.
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Guild Mortgage Company
Guild Mortgage Company - San Antonio/Boerne
Guild Mortgage maintains a dedicated Boerne office that serves the Hill Country region with exceptional expertise. They are particularly noted for their strong VA loan program and first-time homebuyer assistance. The local team has deep knowledge of the Boerne market and provides personalized service throughout the entire lending process. Their extensive product portfolio and competitive rates make them a top choice for Boerne homebuyers seeking reliable, local mortgage expertise.
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SWBC Mortgage
SWBC Mortgage Corporation
While headquartered in San Antonio, SWBC Mortgage has extensive experience serving the entire Greater San Antonio area including Boerne and the Hill Country region. They offer a comprehensive range of mortgage products with particularly strong construction and renovation loan programs. Their deep Texas roots and understanding of local market conditions, combined with competitive pricing and excellent customer service, make them a preferred lender for many Boerne residents.
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Frequently Asked Questions
Common questions about mortgage lending in Boerne, TX
Are mortgage rates in Boerne, TX, typically higher than the national average?
Mortgage rates in Boerne are generally aligned with national averages, as they are driven by broader economic factors. However, your specific rate will depend heavily on your credit profile, loan type, and down payment. Given Boerne's competitive and desirable real estate market, having a strong financial application is key to securing the best possible rate from local lenders.
What local or county-specific down payment assistance programs are available for homebuyers in Boerne?
While Boerne itself doesn't have a city-specific program, homebuyers can access the **Texas State Affordable Housing Corporation (TSAHC)** programs, which offer down payment assistance and competitive mortgage rates for qualifying buyers in Kendall County. Additionally, some lenders may offer special programs for professionals like teachers, healthcare workers, or first responders serving the community.
How does the lack of state income tax in Texas affect the mortgage qualification process in Boerne?
The absence of a state income tax can be beneficial for qualification, as your debt-to-income (DTI) ratio is calculated using your gross income without a state tax deduction. This often means you may qualify for a slightly higher loan amount compared to buyers in states with income tax. However, lenders will still carefully consider property taxes, which in Kendall County can be significant and impact your monthly payment and DTI.
Are USDA loans a viable option for homes in Boerne, given its semi-rural location?
Yes, USDA loans can be an excellent option for eligible buyers looking in the more rural outskirts of Boerne. Parts of Kendall County are designated as USDA-eligible, offering 100% financing with no down payment. It's crucial to work with a lender experienced in USDA maps to confirm if a specific property address qualifies, as the city center itself is typically ineligible.
What should I know about property taxes and insurance when calculating my total monthly mortgage payment in Boerne?
Property taxes in Kendall County are a major component of your payment, often ranging from 1.8% to 2.3% of the home's appraised value annually. Furthermore, due to Texas' exposure to hail and wind, homeowners insurance premiums can be higher than the national average. An accurate mortgage payment estimate must include principal, interest, these substantial taxes, and insurance (PITI).
Why Choose a Mortgage Lender in Boerne?
Local Market Knowledge
Lenders who understand Boerne'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 Texas.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Boerne and get competitive rates on your home loan.