The Best Mortgage Lenders in SBC ATT, TX
Compare verified mortgage lenders serving SBC ATT, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in SBC ATT
Featured Mortgage Lenders
Chris Barlow
Supreme Lending
Supreme Lending is a highly-rated national mortgage company with a strong Texas presence and multiple offices throughout the DFW metroplex. Chris Barlow's team consistently receives exceptional reviews for their expertise in all loan types, particularly VA and conventional loans. They are known for competitive rates, streamlined processes, and exceptional customer service. The company has been serving Texas homebuyers for over two decades with a reputation for reliability and closing loans on time.
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Mike Maida
Guild Mortgage
Guild Mortgage is a nationally recognized lender with deep roots in Texas, consistently ranking among the top mortgage lenders in the Dallas-Fort Worth area. Mike Maida's team specializes in first-time homebuyer programs, government loans, and competitive conventional financing. They receive outstanding reviews for their educational approach, transparent communication, and ability to handle complex loan scenarios. With over 60 years in business, Guild Mortgage brings exceptional stability and expertise to the mortgage process.
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Mortgage Team
Texas Trust Credit Union
Texas Trust Credit Union is one of the largest credit unions in North Texas with a strong reputation for competitive mortgage rates and exceptional member service. As a not-for-profit financial institution, they often offer lower fees and more favorable terms than traditional banks. Their mortgage team receives excellent reviews for personalized service, local decision-making, and comprehensive loan options. With deep community roots and decades of experience serving DFW residents, they provide reliable mortgage solutions with a focus on long-term member relationships.
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Frequently Asked Questions
Common questions about mortgage lending in SBC ATT, TX
What are the current mortgage rates like in San Antonio, and how do they compare to the national average?
Mortgage rates in San Antonio typically align closely with national averages, though local competition among lenders can sometimes create slightly better terms. As a major Texas city with a stable housing market, San Antonio often benefits from competitive rates from both national banks and strong regional credit unions. It's always wise to compare offers from multiple local lenders to secure the best possible rate for your situation.
Are there any special first-time homebuyer programs available specifically for San Antonio residents?
Yes, the City of San Antonio offers the **Homeownership Incentive Program (HIP)**, which provides down payment and closing cost assistance of up to 5% of the loan amount for eligible first-time buyers. This program is designed to help low-to-moderate income households purchase a home within the city limits. Additionally, the Texas Department of Housing and Community Affairs (TDHCA) offers statewide programs like My First Texas Home, which are widely utilized by San Antonio buyers.
How does the property tax rate in San Antonio (Bexar County) affect my mortgage payment and qualification?
Bexar County property taxes are a significant component of your monthly mortgage payment, as they are typically higher than the national average. Lenders will factor these taxes into your debt-to-income (DTI) ratio during qualification, which can sometimes reduce the loan amount you qualify for compared to lower-tax areas. It's crucial to get an accurate estimate of annual taxes for your target home to understand your true monthly payment.
What should I know about getting a mortgage for a home in one of San Antonio's historic districts, like King William or Monte Vista?
Purchasing in a historic district may involve specific loan considerations, as some properties might require renovations that don't meet standard loan guidelines. You may need to explore renovation loans like the FHA 203(k) or the Fannie Mae HomeStyle® loan. Additionally, ensure your lender is familiar with any local historic preservation guidelines that could affect the appraisal process or required repairs.
With San Antonio's rapid growth in areas like the Northside and Stone Oak, are there any special considerations for new construction mortgages?
For new construction in booming suburbs, builders often have preferred lenders who may offer incentives like closing cost credits. However, it's still important to shop around. Be aware that construction timelines can affect your rate lock period, and you may need a construction-to-permanent loan. Also, ensure your appraisal accounts for future community amenities that may not yet be complete.
Why Choose a Mortgage Lender in SBC ATT?
Local Market Knowledge
Lenders who understand SBC ATT'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 SBC ATT and get competitive rates on your home loan.