San Antonio Area Home Loans
San Antonio is Military City USA, home to Joint Base San Antonio, the largest joint base in the Department of Defense, and one of the most affordable major metros in Texas. That combination makes it a powerhouse VA market and a genuine value market, whether you're an active-duty family near Fort Sam Houston, a veteran retiring after 20 years at Randolph, or a first-time buyer priced out of Austin an hour north. Add the fast-growing Hill Country suburbs, New Braunfels, Boerne, Schertz, with their rivers, German heritage, and top schools, and there's a fit for everyone. I finance across Bexar, Comal, Guadalupe, and Kendall counties. NMLS #233747.
The San Antonio Area at a Glance
San Antonio
Military City USA, one of Texas’s most affordable big metros, VA & FHA
New Braunfels
Fast-growing Hill Country river town, Comal ISD, ~25–35 min to JBSA
Boerne
Upscale Kendall County Hill Country, higher price points, conventional & jumbo
Schertz & Cibolo
The family-value northeast corridor near Randolph AFB, FHA & VA
Converse & Seguin
Affordable Bexar/Guadalupe value near the bases
Fair Oaks Ranch
Hill Country estates and acreage, jumbo
Bexar / Comal / Guadalupe / Kendall conforming limit: $832,750 • FHA: $557,750 • pulled live from the loan-limits module
Today’s Purchase Mortgage Rates
Live pricing from the same daily rate feed shown on our Today’s Rates page. These update automatically each day.
Conventional 30-Year Fixed
Conventional – Primary Residence
FHA 30-Year Fixed
FHA – Primary Residence
VA 30-Year Fixed
VA – Primary Residence
Rate Assumptions
30 year fixed, $300k loan amount, $400k value, purchase, FICO Credit Score 759, Zipcode 95111
APR & Disclosures
The Annual Percentage Rate (APR) shown reflects the cost of credit over the loan term, including applicable fees, and is based on the assumptions above. Your actual rate and APR depend on your credit profile, loan amount, property, occupancy, and other factors. For information purposes only and does not constitute a loan approval or commitment to lend. Rates are subject to change without notice.
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San Antonio — Military City USA and Texas Value (VA & FHA)
San Antonio's identity runs through Joint Base San Antonio, JBSA-Fort Sam Houston (home of Army Medical, BAMC, the DoD's premier trauma center), JBSA-Lackland (Air Force basic training), and JBSA-Randolph, which together anchor one of the largest military and veteran populations in the country. That makes the VA loan the single most important tool in the market: zero down, no PMI, no loan limit with full entitlement, and BAH counted as income, which goes especially far here because San Antonio is one of the most affordable big metros in Texas and Texas has no state income tax. For non-VA buyers, San Antonio is a strong FHA and conventional market, from starter homes on the South and West sides to established value in areas near USAA and the medical center, up to the luxury of Alamo Heights, Terrell Hills, and Stone Oak (where higher price points move toward jumbo). The economy, military, USAA and the financial sector, a Toyota manufacturing plant, and a growing medical and cybersecurity base, supports steady demand. I handle PCS-timed remote closings for incoming service members.
New Braunfels — the Hill Country River Town (conventional, FHA & VA)
New Braunfels, in Comal County between San Antonio and Austin, is one of the fastest-growing cities in America, drawing families from both metros with its German heritage, the Comal and Guadalupe Rivers (world-class tubing and waterfront), excellent Comal ISD schools, and Hill Country beauty, all about 25–35 minutes from JBSA. It's a strong market across the board: conventional for buyers with good credit (the rapid appreciation means you hit 20% equity and drop PMI faster than in slower markets, communities like River Chase and Vintage Oaks), FHA for first-time buyers (many homes within the $557,750 limit), and VA for the large military and veteran population, many of whom retire here after service at Randolph or Lackland. It's more affordable than comparable Austin Hill Country, with larger lots and views.
Boerne & Fair Oaks Ranch — Upscale Hill Country (conventional & jumbo)
Boerne, in Kendall County northwest of the city, is the upscale Hill Country address, a charming historic Main Street, strong schools, and higher price points that make conventional (with its $832,750 limit giving more buying power than FHA) and jumbo the primary tools. Its desirability drives consistent appreciation, so equity builds faster than in most Texas markets. Fair Oaks Ranch nearby offers Hill Country estates and acreage, largely jumbo territory. Both draw executives, retirees, and families wanting Hill Country living within a reasonable San Antonio commute.
Schertz, Cibolo, Converse & Seguin — the Value and Military Corridor (FHA, VA & conventional)
The northeast corridor toward Randolph AFB is the San Antonio area's family-value belt. Schertz and Cibolo (straddling Comal, Guadalupe, and Bexar counties) offer newer construction, good schools, and an easy Randolph commute, strong FHA, VA, and conventional markets popular with military families. Converse (Bexar County, near Fort Sam and Randolph) is affordable, VA-friendly value. Seguin (Guadalupe County, home of Texas Lutheran University) extends the value further east, with some USDA rural eligibility on its edges. Across this corridor, no state income tax and modest prices make military BAH stretch a long way.
Loan Programs across the San Antonio Area
VA
Zero down, no PMI, no limit with full entitlement; the essential JBSA/Military City tool.
FHA
3.5% down, the first-time entry across San Antonio and the value suburbs; limit $557,750.
Conventional
3–5% down, PMI cancels at 20% equity; strong in appreciating New Braunfels and Boerne.
Jumbo
For Boerne, Fair Oaks Ranch, Alamo Heights, and Stone Oak above $832,750.
USDA
Zero down in eligible rural areas around Seguin and the metro edges.
DSCR / Investment
For the metro’s rental market; qualifies on rental income, no cap on properties.
San Antonio Mortgage FAQ
Why is San Antonio such a strong VA market?+
Which suburbs are best for military families near the bases?+
Is New Braunfels a good place to buy?+
Why is Boerne more expensive than other San Antonio suburbs?+
How affordable is San Antonio compared to Austin?+
What is the conforming loan limit in the San Antonio area?+
Do Texas disabled veterans get a property-tax break?+
Do you finance the whole San Antonio area?+
Emmett Clark — NMLS #233747
I shop 240+ wholesale lenders across Bexar, Comal, Guadalupe, and Kendall counties and handle PCS-timed remote closings for incoming service members. A VA purchase near JBSA, a Hill Country home in New Braunfels or Boerne, or affordable value near Randolph, it starts with a quick conversation.
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Buying in the San Antonio Area?
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Why Contact Emmett?
- ✓ Local San Antonio market expertise
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