San Antonio’s Trusted Mortgage Lender. Local, Licensed, and Ready to Help.
Mortgage Lender in San Antonio, Texas
San Antonio's Trusted Mortgage Lender. Local, Licensed, and Ready to Help.
Direct Rate is headquartered in San Antonio. We are not a call center in another state - we are a local mortgage team with 500+ five-star reviews, deep knowledge of the San Antonio market, and a proven track record helping military families, first-time buyers, and homeowners across the city get to closing with confidence.
Why San Antonio Trusts Direct Rate
- We are based here - our team knows San Antonio neighborhoods, prices, and market conditions firsthand
- Licensed Texas mortgage lender - NMLS ID 2320473
- 500+ five-star reviews from San Antonio homeowners
- Deep expertise in VA loans - San Antonio has four major military installations
- All 9 loan programs available - from FHA and VA to jumbo and renovation loans
- Pre-approvals ready within 24 hours
- We stay with you from your first question all the way to closing day
San Antonio's Military Community Is at the Heart of What We Do
San Antonio is one of the most active military cities in the United States. With four major installations inside the city, a large active-duty population, and thousands of veterans who call San Antonio home - VA home loans are one of our most important programs and one we know inside and out.
- Fort Sam Houston - home of the Army Medical Command
- Lackland Air Force Base - the Air Force's only basic military training location
- Randolph Air Force Base - major training and operations hub
- Camp Bullis - active training installation northwest of the city
If you are active duty, a veteran, or a qualifying surviving spouse - you may be able to buy a San Antonio home with 0% down and no monthly mortgage insurance. We confirm your eligibility and handle your Certificate of Eligibility as part of the process.
Every Loan Program Available in San Antonio
One lender. Every program. We find the right fit for your situation.
Conventional Mortgage
Competitive rates. PMI removable at 20% equity. Great for San Antonio buyers with solid credit.
FHA Home Loans
3.5% down. Flexible credit. One of the most popular programs for San Antonio first-time buyers.
VA Home Loans
0% down. No PMI. For eligible veterans and active-duty military in San Antonio and beyond.
USDA Home Loans
0% down in eligible areas. Many communities around San Antonio qualify.
Fixed Rate Mortgages
One rate. One payment. Locked in for the life of your San Antonio home loan.
Jumbo Loans
Finance higher-value San Antonio properties above the conforming loan limit.
Mortgage Refinancing
Lower your rate, access equity, or remove mortgage insurance on your San Antonio home.
Reverse Mortgages
For San Antonio homeowners 62+ looking to access home equity in retirement.
FHA 203k Renovation
Buy a San Antonio fixer-upper and finance the renovations in one single loan.
Serving Buyers and Homeowners Across San Antonio
We help buyers and homeowners in every part of San Antonio - from established neighborhoods to fast-growing suburbs.
Buying somewhere else in San Antonio or the surrounding area? We serve the entire San Antonio metro. Get in touch and we will help.
See What Your San Antonio Home Loan Could Look Like
Use our free mortgage calculator to estimate your monthly payment - then speak with a local advisor to get your real numbers.
Common Questions About Getting a Mortgage in San Antonio
Also Serving All of Texas
Direct Rate is licensed across the entire state of Texas. San Antonio is our home base but we serve buyers and homeowners in Houston, Dallas, Austin, Fort Worth, El Paso, and everywhere in between.
View our Texas mortgage lender page >> directrateusa.com/mortgage-lender-texas/