Loan Programs
Loan Programs: Your Path to Homeownership
At Texas Lending Partners, we offer a wide range of San Antonio mortgage services designed to meet the unique needs of first-time homebuyers, veterans, and families looking to upsize or downsize. Whether you're buying your first home, building your dream house, or refinancing, we have the right loan program for you. Explore your options below:
Conventional Loans
A conventional mortgage is ideal for buyers who want a straightforward loan with flexible terms. These loans fall under the conforming loan limit of $548,250, with limits as high as $822,375 in high-cost areas, as set annually by the Federal Housing Finance Agency (FHFA).
Fixed interest rates
Loan terms typically 15 or 30 years
No private mortgage insurance (PMI) required with a 20% down payment
Perfect for those with solid credit and savings, conventional loans are a popular choice among families in Texas.
FHA HOME LOAN
Designed to make homeownership more accessible, FHA loans are backed by the Federal Housing Administration. They are especially helpful for first-time buyers with limited savings or lower credit scores.
Down payment as low as 3.5%
Minimum credit score of 600
Mortgage insurance premium required
With more flexible credit and property requirements, FHA loans are a fantastic option for first-time homebuyers in Texas.
VA HOME LOANS
VA loans in Texas are exclusively available to veterans, active-duty service members, and qualifying surviving spouses. Backed by the Department of Veterans Affairs, these loans offer some of the best terms in the market.
No down payment required
No private mortgage insurance (PMI)
Upfront VA funding fee applies
These benefits make VA loans one of the most sought-after options for military families in San Antonio and across Texas.
CONSTRUCTION LOANS
Building your dream home? Construction loans combine funding for the construction process with a mortgage loan, streamlining your financing.
One loan for construction and permanent financing
Customized terms to fit your needs
Start building the home you’ve always envisioned with our expert guidance.
JUMBO HOME LOAN
If your desired home exceeds the conforming loan limit, a jumbo loan might be the right choice. These loans cater to high-value properties in competitive markets.
Fixed or adjustable interest rates
Minimum credit score of 700 often required
Down payment of at least 10% typically needed
With multiple jumbo loan options, we’ll help you secure financing for your luxury home.
USDA HOME LOAN
Dreaming of rural homeownership? USDA loans are backed by the Department of Agriculture and are perfect for small-town living.
No down payment required on most properties
Home improvement loans and grants available
Income and property eligibility requirements apply
Let us help you make your rural or suburban homeownership dreams a reality.
REVERSE HOME LOANS
If you're aged 62 or older, a reverse mortgage allows you to tap into your home equity while living in your home.
The lender pays you instead of you paying a monthly mortgage
You must live in the home as your primary residence
Property must meet FHA standards
Reverse mortgages are an excellent tool for retirement planning, providing financial flexibility for homeowners in San Antonio and beyond.
SPECIALTY LOANS
We offer customized loan solutions for unique situations, including self-employed borrowers or unconventional property types.
Flexible terms for non-traditional income
Financing for properties outside the norm
No matter your needs, Texas Lending Partners has a solution tailored to you.
Why Choose Texas Lending Partners?
As your trusted provider of San Antonio mortgage services, we guide you through every step of the process. With personalized support, local expertise, and access to a variety of loan programs, we're here to make your homeownership journey seamless.
We’re Here to Help
Are you more of an "explore in your PJ's" kind of person? We've got you covered! Explore away with our tools and resources...but know we're here for you whenever you're ready to chat.