The Best Mortgage Lenders in S F A U, TX
Compare verified mortgage lenders serving S F A U, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in S F A U
Featured Mortgage Lenders
RBFCU Mortgage Services
Randolph-Brooks Federal Credit Union
As one of Texas' largest and most respected credit unions, RBFCU has been serving the San Antonio area for over seven decades. They consistently earn top ratings for their competitive mortgage rates, exceptional member service, and comprehensive loan programs. Their local presence and deep community roots make them a trusted choice for home financing in the region, with specialized programs for military families and first-time homebuyers.
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SWBC Mortgage
SWBC Mortgage Corporation
Founded and headquartered in San Antonio, SWBC Mortgage has built a stellar reputation over nearly five decades as a leading regional mortgage lender. They offer personalized service with local decision-making and deep expertise in Texas real estate markets. Their strong customer satisfaction ratings reflect their commitment to smooth transactions and competitive pricing, with particular strength in serving military families and diverse borrower needs.
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Guild Mortgage - San Antonio
Guild Mortgage Company
Guild Mortgage brings over six decades of national experience with strong local presence in San Antonio. They are particularly noted for their exceptional customer service and flexible loan programs, including specialized options for self-employed borrowers and unique property types. Their high ratings reflect consistent performance in closing loans efficiently while providing personalized guidance throughout the homebuying process.
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Frequently Asked Questions
Common questions about mortgage lending in S F A U, TX
What are the current mortgage rates like in San Felipe, TX, and are they typically higher or lower than the national average?
Mortgage rates in San Felipe, TX, generally align with national averages, but can be influenced by local lender competition and property types. Given the rural nature and larger lot sizes common in the area, some lenders may have specific considerations that slightly affect pricing. It's best to compare offers from both local Texas banks and national lenders to secure the most competitive rate for your situation.
Are there any down payment assistance or first-time homebuyer programs specifically for San Felipe, TX, residents?
While San Felipe itself may not have a city-specific program, as a Texas resident, you have access to statewide programs like the Texas Department of Housing and Community Affairs (TDHCA) My First Texas Home program. These programs offer competitive interest rates, down payment assistance, and tax credits, and are available for eligible buyers in Austin County, including San Felipe.
How does buying a property with significant land or acreage in San Felipe affect the mortgage process?
Purchasing a property with acreage in San Felipe is common and can affect loan eligibility. Many conventional loans have limits on non-buildable acreage; properties with more than 10 acres may require a specialized rural or agricultural loan product. Lenders will also often require a more detailed appraisal to assess the value of the land separately from the home.
What should I know about property taxes and insurance when calculating my mortgage payment in San Felipe?
Austin County property taxes are a significant component of your monthly payment and can vary. Additionally, due to the rural location and potential flood zones (given proximity to the Brazos River), lenders will require flood insurance in addition to standard homeowners insurance, which must be escrowed as part of your mortgage payment. It's crucial to get accurate estimates for both when budgeting.
Are USDA Rural Development loans available for homes in San Felipe, TX?
Yes, given its population and location, much of the San Felipe area is eligible for USDA Rural Development loans, which offer 100% financing (no down payment). This can be an excellent option for eligible moderate-income buyers looking for a primary residence in this community. You should check the USDA eligibility map for the specific property address to confirm.
Nearby Cities
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Why Choose a Mortgage Lender in S F A U?
Local Market Knowledge
Lenders who understand S F A U'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 S F A U and get competitive rates on your home loan.