Mortgage Broker in San Antonio, TX

Military City, USA: VA loans are our sweet spot

With Joint Base San Antonio spread across Fort Sam Houston, Lackland, and Randolph, plus Brooke Army Medical Center, San Antonio is home to tens of thousands of service members, veterans, and military families. VA loans are often the strongest option available to these buyers. We help with:

• Checking VA eligibility and getting your Certificate of Eligibility
• First-time VA purchases and PCS moves into the area
• Using your VA benefit again, or buying with remaining entitlement
• VA streamline (IRRRL) and VA cash-out refinances
• Surviving-spouse and National Guard or Reserve scenarios

Neighborhoods we finance

• Stone Oak and Encino Park: north-side master-planned living near the 1604 and 281 corridor, popular with families and medical professionals.
• Alamo Heights, Olmos Park, and Terrell Hills: established, upscale neighborhoods where jumbo loans are common.
• King William, Southtown, and Monte Vista: historic homes with character. Some need renovation financing.
• Alamo Ranch and the far west side: newer, value-priced construction near Lackland, popular with VA and first-time buyers.
• Schertz, Cibolo, and Converse: northeast suburbs near Randolph with strong new-home inventory.
• The Dominion and Shavano Park: luxury neighborhoods for buyers who need jumbo or portfolio options.
• Helotes and Boerne edge: Hill Country space with easy access to the city.

School districts

School zoning shapes value in San Antonio. Buyers often target North East ISD (Stone Oak, Encino Park), Northside ISD, the largest district in the area, covering the west and northwest, Alamo Heights ISD, and Comal ISD or Schertz-Cibolo-Universal City ISD in the growing suburbs. We’ll help you weigh the full monthly cost for each area, including property taxes, insurance, and HOA dues.

Loan programs for San Antonio buyers

• VA loans for eligible veterans, active-duty members, and surviving spouses.
• FHA loans for first-time buyers who want a lower down payment and flexible credit.
• Conventional loans for buyers with solid credit and savings.
• Jumbo loans for Alamo Heights, The Dominion, and other higher-priced neighborhoods.
• DSCR and investment property loans for rentals near the bases, the Medical Center, and UTSA.
• Bank statement and self-employed loans for business owners whose tax returns don’t show their true income.
• Refinance and cash-out refinance for homeowners ready to tap equity or improve their loan.
• New construction financing, compared side by side with builder-lender incentives.

Why buyers choose CapFi Lending

• Broker access. We compare many lenders on your behalf, so you’re not stuck with a single bank’s options.
• 22 years of experience. We’ve seen every kind of file and know how to keep closings on schedule.
• Reviewed by clients: 4.9★ on Google (79) · 5.0★ on Zillow (16) · 100% recommend on Facebook (39). Clients rave about our fast answers and clear updates.
• Locally owned in Central Texas. You get a real person to call or text, evenings and Saturdays included.

San Antonio mortgage FAQs

Do you work with buyers on PCS orders to Joint Base San Antonio?

Yes. We regularly help military families buy before or right after they arrive. We can often get you pre-approved while you’re still at your current duty station.

Can I buy a rental property in San Antonio with a VA loan?

A VA loan is meant for a home you’ll live in. You can buy a two- to four-unit property, live in one unit, and rent out the others. For pure rentals, DSCR loans are a strong fit.

I’m relocating from Austin. Can you still help?

Absolutely. We serve both metros and the whole I-35 corridor between them, so you can keep one broker for your entire move.

Do you finance historic homes in King William or Monte Vista?

Yes. Older homes sometimes need repairs before closing. Renovation loans can roll those improvements into your mortgage.

How long does pre-approval take?

Most pre-approvals start in about 10 minutes, and many buyers hear back the same day. Call or text (512) 593-1336 to get started.

Ready to buy in San Antonio?

Whether you’re a veteran using your VA benefit, a first-time buyer, or an investor, call or text (512) 593-1336 today, Mon–Sat 9–7, or tap Get Started for your free pre-approval. Let a local broker with 22 years of experience help you win the home.