About Our Home Loans Office in San Marcos
We are a mortgage lender for buyers, veterans, self-employed borrowers, investors and owners who want to refinance. You talk with a loan officer who explains each number, each document and how property insurance ties into the loan, at our office or by phone and video.
A loan office that explains the paperwork
Most of a mortgage is documentation. Pay stubs, W-2s or two years of tax returns, bank statements, an appraisal, a title search and a property insurance policy all have to line up before closing. We tell you at the start which ones your loan type needs, and why, so you are not sending the same statement three times.
We offer conventional, FHA, VA and USDA loans for purchases and refinances. We also offer a HELOC for owners tapping equity, bank statement loans for self-employed borrowers, and hard money and bridge loans for investors and buyers timing a sale. Each program counts income, debt and down payment differently, and we walk through those differences before you choose one.
Insurance gets more of our attention than most borrowers expect. Every home loan requires a hazard policy that names the lender as mortgagee, and properties near creeks and rivers may also need flood coverage after the flood zone determination. If you later file a claim, the insurer's check often carries the lender's name too. We explain how endorsement and release of those funds work, which photos and records help document damage, and where our role ends. We are not your adjuster, and we cannot predict what a carrier will pay.
How we work with borrowers
Numbers in writing early
A rate quote by phone is the first step. Your application then produces a Loan Estimate that itemizes rate, points, lender fees, title charges and prepaid escrow. We go through it line by line and tell you which items can still change before the Closing Disclosure.
Pre-approval built on documents
We verify income and assets before issuing a pre-approval letter instead of relying on a stated figure. It takes a little longer up front, but the letter holds up when a seller's agent or an underwriter reads it.
Clear answers on escrow
We show how the insurance premium and property taxes flow into the escrow account and the monthly payment. When a premium rises at renewal, we explain why the escrow analysis changed.
The right fit, not the biggest loan
If a different program or a smaller loan amount keeps your debt-to-income ratio comfortable, we say so. Sometimes the better move is to pay down a card or save a larger down payment first, and we will tell you that plainly.
Where we lend
We work with borrowers in San Marcos and the surrounding area, including Kyle, Buda, Redwood, Wimberley, New Braunfels and Lockhart. Most of the back-and-forth happens at our office or by phone and video, so you only need to travel for closing. Rural parcels outside city limits may also be eligible for USDA loans, and we check the address before you plan around that program. Our Service Areas page covers each town in more detail.
- San Marcos
- Redwood
- Kyle
- Wimberley
- New Braunfels
- Lockhart
- Buda
Start with a rate quote
Tell us the loan you have in mind, the property, and a rough idea of your income and down payment. We will give you a rate quote and lay out the next steps toward pre-qualification or a full loan application.