San Antonio, TX
San Antonio, TX home loans, coordinated by the owner.
San Antonio buyers get the full menu — VA, FHA, first-time-buyer — fitted to the San Antonio budget you actually have, Alamo Heights included.
Does Choice Home Mortgage work with San Antonio, TX buyers?
Yes. Choice Home Mortgage arranges home loans for San Antonio buyers through licensed partner brokers who cover Texas. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the San Antonio loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For 2026, a one-unit San Antonio home can carry a conforming loan of up to $832,750, the Bexar County limit FHFA sets, and we check where your San Antonio price falls before you write an offer. The whole process runs by phone and online.
What it costs to buy in San Antonio — and how to finance it.
San Antonio is one of the most affordable large Sun Belt cities; the largest US military presence (Joint Base San Antonio) drives consistent VA demand, while steady population growth supports mid-tier activity.
So the San Antonio strategy starts with the market, not the rate sheet. For San Antonio, 2026 conforming tops out at Bexar County’s $832,750 baseline on one-unit San Antonio homes. That $832,750 ceiling covers most San Antonio price points — conventional, FHA, first-time-buyer all stay on the San Antonio table. Price-wise, San Antonio runs solidly middle-of-market. FHFA resets these limits each year; we verify before we quote.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 1.4 million people live in San Antonio — Alamo Heights, Stone Oak, and between — a short drive from New Braunfels or Leon Valley. We can talk San Antonio down to the blocks around The Alamo and the River Walk. We finance homes across Alamo Heights, Monte Vista, King William Historic District, and Stone Oak — and every other corner of San Antonio. “Mortgage broker near me” in San Antonio usually means the closest office — we skip the office and bring San Antonio-level help by phone and online instead. San Antonio is one of 83 Texas markets we cover, and every Texas file gets the same treatment: real San Antonio numbers first, then lenders competing on them.
How we work San Antonio loans.
San Antonio know-how
Alamo Heights, Monte Vista, King William Historic District, over to The Alamo and the River Walk — San Antonio's pockets price differently, and the right program follows the pocket.
Down-payment friendly
San Antonio budgets get the full toolkit — VA, FHA, first-time-buyer — plus every assistance program a San Antonio file can claim.
Lenders shopped for you
San Antonio loans here go to whichever lender earns them — we shop the San Antonio file wide.
The owner, coordinating
Esther Buede, the owner, coordinates your San Antonio loan start to finish; our Google reviews show San Antonio buyers why that matters.
Owner-coordinated, application to San Antonio keys.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each San Antonio file, Monte Vista or any San Antonio address, first call to keys. Meet the family behind CHM →
“Esther made this transition so smooth and seamless for us. This team is amazing and we could not have chosen a better partner in the journey!”
Programs shaped to San Antonio price tags.
Near The Alamo and the River Walk, VA files are a San Antonio staple for us. San Antonio files most often land on VA, FHA, first-time-buyer through our licensed partner-broker network — and past those, every San Antonio option gets shopped: VA, non-QM, FHA financing, and conventional. Ready or just curious — buying, refinancing your mortgage, or running scenarios — start your application here or call (949) 522-7310.
San Antonio files here lean on VA, FHA, first-time-buyer.
San Antonio 1099 and business-owner borrowers get their own path here, qualifying on 1099 income instead of W-2s; San Antonio investors have bridge financing too. The full Bexar County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
Beyond San Antonio itself, New Braunfels, Leon Valley, Live Oak buyers work with us the same way. Every Texas city we cover →
Working with San Antonio, TX buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. We serve this area; we do not maintain a San Antonio office.
San Antonio questions we hear most.
How high can a conforming loan go in San Antonio?
A conforming loan on a one-unit San Antonio home can go up to $832,750 in 2026, which is FHFA's limit for Bexar County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. For two units, the Bexar County conforming limit is $1,066,250.
Which programs fit San Antonio first-time buyers?
VA, FHA and conventional loans fit most first-time buyers in San Antonio, and the right one depends on your credit score and down payment. VA loans need no down payment for eligible veterans and service members. An FHA loan on one unit in Bexar County can go to $557,750 in 2026 (HUD).
Are certain San Antonio neighborhoods outside your coverage?
No. Every San Antonio neighborhood is covered, Alamo Heights, Monte Vista, King William Historic District and Stone Oak included. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. For a one-unit home in Bexar County, the 2026 conforming limit is $832,750.
Do you work with San Antonio, TX buyers?
Yes. We work with San Antonio buyers through licensed partner brokers who hold the Texas license, and we coordinate each file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no San Antonio office, so the application, documents and updates run by phone and online.
I'm shopping San Antonio and the next town over: is that covered?
Yes. You can compare homes in San Antonio with New Braunfels, Leon Valley and Live Oak on one file. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a San Antonio file.
How do we work together on a San Antonio purchase?
We start with a call to map your San Antonio purchase, then coordinate the application, documents and updates online. Licensed partner brokers cover the Texas licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Your San Antonio home is a call away.
Your San Antonio plans, the owner's full attention, and a market of lenders shopped on your San Antonio file's behalf.