Mortgage Lender in San Antonio, Texas
When you call Intra-Mortgage, you reach a real loan officer who knows San Antonio, not a call center three states away running your name through a form.
See what you may qualify for
Answer a few quick questions to get a personalized starting home price range.
No credit pull. No obligation. No calls unless you ask for one.
Takes about 3 minutes. Not a loan application or commitment to lend.
San Antonio market snapshot
LiveWe know San Antonio, not just the state average
San Antonio is one of the fastest-growing cities in Texas, and that growth shows up differently depending on where you are looking. Buyers in the Stone Oak and Alamo Ranch corridors often move quickly because inventory moves fast in those neighborhoods. Buyers on the South Side or near Converse and Schertz sometimes find a bit more room to negotiate. A loan officer who understands those differences can help you put together an offer that makes sense for the specific area, not just a generic Texas template.
FHA loans are widely used in San Antonio because they allow a lower down payment and are more flexible on credit history. They do carry a mortgage insurance premium (MIP), a fee on FHA loans that protects the lender, which affects your monthly payment over time. Down payment assistance (DPA), meaning help covering the cash you need to close, is available through several Texas programs, and a licensed loan officer can walk you through which ones you may qualify for based on your income, the property, and the county it sits in. Bexar County has its own program layers that our team will already know.
Closing timelines in San Antonio can be affected by appraisal scheduling, title work, and how busy the local real estate calendar is. Spring and early summer tend to be competitive, and a slow appraisal turnaround can add days to your close. Working with a mortgage lender and broker that is familiar with the San Antonio market means fewer surprises along the way. Intra-Mortgage is licensed in Texas and here to answer real questions, not just collect your information.
A licensed lender with real roots
We're not a lead-generation site that sells your information. We're a licensed mortgage team, and we're here in Texas.
A real team
You work with a licensed mortgage team and a loan officer who knows this market, not a national portal that sells your information to the highest bidder.
Market knowledge
We know San Antonio's neighborhoods, appraisers, title companies, and county quirks, because we close here every week.
A human, not a call center
You get one loan officer with a direct line, not a 1-800 number and a different rep every time you call.
Multi-state licensed
Licensed across OH, IN, PA, TX and more. Moving out of state later? We can likely still be your lender.
The right loan for your situation
Not sure which fits? See what you may qualify for above, or read the full guide on any option below.
FHA Loans
As little as 3.5% down with a 580 credit score. The most flexible path for first-time and credit-building buyers.
FHA in San AntonioConventional
3–5% down for strong-credit buyers. Mortgage insurance drops at 20% equity — the long-term cost winner.
Conventional guideVA Loans
Zero down, no monthly mortgage insurance, for eligible veterans and active-duty service members.
VA loan benefitsRefinance
Lower your rate, shorten your term, or tap equity. We'll run the break-even math honestly.
Refinance optionsFirst-Time Buyer
Down payment assistance, education, and step-by-step guidance built for people buying their first home.
First-time buyer guideNot sure yet?
Compare FHA vs. Conventional side by side, or talk to a loan officer who'll run both on your actual numbers.
Compare loan typesDown payment assistance in San Antonio
Texas buyers can often stack state, county, and city assistance on top of an FHA or conventional loan to cover part, sometimes all, of the down payment. What you qualify for depends on your income, the home, and the program.
No credit pull to start, we'll check your assistance eligibility with you.
Real footprint
We close loans across the entire Greater San Antonio metro, city neighborhoods, suburbs, and the core counties we serve.
San Antonio Neighborhoods
Suburbs
Statewide context, then your city
San Antonio is the most approachable of the five major Texas metros on price, which is why FHA and VA show up so often here. Statewide programs, property-tax math, and the other metros are on the Texas mortgage lender page.
Texas mortgage lender
Statewide property tax, county loan limits, and down payment assistance — and how the five Texas metros compare.
Texas home loansAustin
The highest-priced of the five. Jumbo vs. conforming shows up here more often than in Houston or San Antonio.
Mortgage lender in AustinDallas
Shares a metro name with Fort Worth and not much else on price or inventory. Several Dallas-area counties sit above the FHA floor.
Mortgage lender in DallasFort Worth
More purchasing power than Dallas or Austin. Naval Air Station JRB is why VA loans come up so often here.
Mortgage lender in Fort WorthHouston
Near the statewide median, with more inventory than Central Texas. Most area counties use the FHA floor.
Mortgage lender in HoustonFrom "just looking" to keys in hand
A clear four-step path, with a real person guiding you at each stage.
Get pre-qualified
Answer a few questions, no credit pull, no obligation. We'll tell you what you can realistically afford in San Antonio.
~60 secondsApply & get pre-approved
A full application and verified pre-approval letter, the kind San Antonio sellers take seriously in a multiple-offer situation.
1–2 daysUnderwriting & approval
Your file goes through full underwriting, appraisal, title, and conditions handled by a team you can actually reach.
2–3 weeksClear to close
Sign, fund, and get your keys. We coordinate with your title company to keep closing day smooth.
Day of closeJoe Heister and Katie Smith are outstanding to work with. Joe is professional, knowledgeable, and genuinely cares about his clients — he goes above and beyond to make sure everything goes smoothly from start to finish.
I'm a real estate agent and have known Joe Heister for over 15 years. I have always respected him as a lender with integrity who consistently puts his client's interests first.
As a first-time homebuyer, I had so many questions about the mortgage process, but Katie made everything so much easier. From the beginning she took the time to explain every step and answered all my questions patiently.
I recently refinanced with loan officer Mitra Dhital, and he was very helpful and professional throughout the process. He explained everything clearly and made the experience smooth and stress-free.
Thank you to Keshabi Acharya for making our home buying experience so smooth and stress free. She was very quick to respond and very knowledgeable on the topic of loans.
I worked with Joe Heister and Katie Smith and the process was seamless. Professional, organized, and low rates. Highly recommend.
San Antonio mortgage FAQs
No. Different loan programs have different credit requirements. FHA loans, for example, are designed for buyers who are still building their credit history. A licensed loan officer can review your full picture, including your debt-to-income ratio (DTI), meaning how much of your monthly income goes toward debt, and help you understand which programs you may realistically qualify for.
Down payment assistance (DPA) is money from a state, county, or nonprofit program that helps cover the cash you need at closing. Several programs are active in Texas and specifically in Bexar County. Eligibility usually depends on income limits, the purchase price of the home, and whether it will be your primary residence. Ask a loan officer which programs are currently funded and accepting applications.
Most purchase loans close in roughly 30 to 45 days, though that can vary based on appraisal scheduling, the title company's workload, and how quickly all parties return documents. San Antonio's busy spring market can stretch timelines if appraisers are backed up. Getting fully pre-approved before you make an offer helps you move faster once a seller accepts.
That depends on your personal situation more than on the market itself. San Antonio continues to grow, and neighborhoods across the metro see different levels of competition. A loan officer can help you understand what you can realistically afford at today's conditions, but the right time to buy is ultimately a personal decision based on your income, savings, and how long you plan to stay.
A mortgage lender funds loans directly using its own money. A mortgage broker works with multiple lenders to find a loan that fits your situation. Intra-Mortgage operates as both, depending on the loan product. That flexibility means your loan officer can look across options rather than being locked into a single set of programs, which can matter depending on your credit, income, and the type of home you are buying.
First-time buyers in San Antonio commonly use FHA loans, conventional loans with lower down payment options, and USDA loans for homes in eligible rural areas outside the city core. Some areas in the greater Bexar County region still qualify for USDA financing. Texas also offers statewide programs through the Texas Department of Housing and Community Affairs. A loan officer can match you to the programs that fit your situation.
Texas loan guides
In-depth guides on loan programs, limits, and buyer assistance across Texas.
Get pre-qualified for a San Antonio home loan
See what you qualify for in about a minute, or talk to a loan officer who actually knows the Greater San Antonio market.