Top 3 Mortgage Lenders in San Marcos

Guaranteed Rate Affinity is one of Central Texas' highest-rated mortgage lenders with an exceptional reputation for customer service and competitive rates. While based in Austin, they actively serve the San Marcos market and surrounding Hays County. Chris Kauffman leads their local team with 15 years of mortgage experience and specializes in making the home buying process smooth and efficient. They offer a full range of loan products with particularly strong programs for first-time homebuyers and military families. Their digital mortgage platform provides transparency and faster closings, while maintaining personalized service throughout the process.

Randolph-Brooks Federal Credit Union has a strong physical presence in San Marcos with a local branch and mortgage team that serves the entire community. As one of Texas' largest credit unions with over 70 years of operation, they offer exceptional mortgage rates for members and non-members alike. Their mortgage specialists provide personalized service with local decision-making authority, allowing for faster approvals and closings. RBFCU is particularly known for their competitive conventional and VA loan programs, construction lending expertise, and outstanding customer satisfaction ratings across multiple review platforms.

CrossCountry Mortgage has built a strong reputation in the Central Texas market with local loan officers who specialize in the San Marcos and Hays County area. They offer a comprehensive range of mortgage products with particularly strong programs for first-time homebuyers and investment properties. Their local team provides personalized service with the backing of a national lender's resources and competitive pricing. Known for their educational approach and transparent communication, they guide borrowers through every step of the mortgage process while offering some of the most competitive rates in the region.