The Best Mortgage Lenders in Schertz, TX
Compare verified mortgage lenders serving Schertz, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Schertz
Featured Mortgage Lenders
RBFCU Mortgage Services
Randolph-Brooks Federal Credit Union
RBFCU is one of the largest and highest-rated credit unions in Central Texas, serving Schertz residents with exceptional mortgage services. With over seven decades of experience, they offer competitive rates and personalized service. Their strong local presence and community commitment make them a top choice for home loans in the Schertz area. Members consistently praise their responsive loan officers, streamlined application process, and comprehensive mortgage options.
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CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage has established an excellent reputation in the San Antonio metropolitan area, including Schertz, with outstanding customer reviews and competitive loan programs. Their local team provides personalized service with access to a wide range of mortgage products. They are particularly noted for their expertise with VA loans and first-time homebuyer programs, offering competitive rates and exceptional customer service throughout the loan process.
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SWBC Mortgage
SWBC Mortgage Corporation
SWBC Mortgage has been serving the San Antonio region, including Schertz, for over four decades with reliable mortgage services and strong community ties. As a locally headquartered company with national capabilities, they offer the best of both worlds - personalized local service with extensive lending resources. They are particularly strong in conventional and government-backed loans, with customers praising their knowledgeable loan officers and efficient closing processes.
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Frequently Asked Questions
Common questions about mortgage lending in Schertz, TX
What are the current mortgage rates like in Schertz, TX, compared to the national average?
Mortgage rates in Schertz typically align closely with national averages, but local competition among lenders in the San Antonio metropolitan area can sometimes lead to slightly more favorable terms. It's advisable to get quotes from both large national banks and local credit unions or mortgage brokers in the area, as they may offer special promotions or have strong relationships with local builders.
Are there any down payment assistance programs specifically for Schertz homebuyers?
Yes, Schertz homebuyers can access the Texas Department of Housing and Community Affairs (TDHCA) programs like the My First Texas Home and Texas Mortgage Credit Certificate. Additionally, the San Antonio Board of REALTORS® Housing Foundation offers down payment assistance grants that are applicable in Schertz. Eligibility often depends on income limits and the home's purchase price.
How does Schertz's growth and proximity to San Antonio and military bases affect mortgage lending?
Schertz's rapid growth and its location near Randolph AFB and Lackland AFB create a stable housing demand, which lenders view favorably. Many lenders are experienced with VA loans and may offer streamlined processes for military personnel and veterans. The strong market can also mean quicker appraisal turnarounds but requires buyers to be prepared for competitive offers.
What should I know about property taxes and insurance when calculating my mortgage payment in Schertz?
Property taxes in Guadalupe County (where Schertz is located) are a significant component of your monthly payment and are typically higher than the national average. It's crucial to factor in the county's tax rate, which varies, and to shop for homeowners insurance early, as Texas rates can be affected by weather risks. Your lender will use precise local tax data to calculate your escrow.
Are there special mortgage considerations for buying a new construction home in one of Schertz's many subdivisions?
Absolutely. When buying new construction in communities like The Crossvine or Green Valley, builders often have preferred lenders who may offer closing cost incentives. However, you are not obligated to use them. It's wise to get an independent appraisal and ensure your loan contingency periods align with the builder's timeline, as construction delays can affect your rate lock.
Nearby Cities
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Why Choose a Mortgage Lender in Schertz?
Local Market Knowledge
Lenders who understand Schertz'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 Schertz and get competitive rates on your home loan.