Mortgage Broker in San Antonio, TX
Bexar County · San Antonio–New Braunfels metro
San Antonio's strong military presence — JBSA, Randolph, Lackland — makes VA loan activity outsized, and Bexar County property tax mechanics favor planning the loan structure early. Rich Home Loans handles VA, conventional, FHA, and jumbo loans across San Antonio.
Loan programs in San Antonio
- Conventional — 2026 baseline conforming loan limit is $806,500 for a 1-unit home. Some counties exceed the baseline; check the current limit for Bexar County at searchconformingloanlimits.com.
- FHA — low down payment (as little as 3.5%), flexible credit. FHA loan limits are set at the county level and change yearly.
- VA — 0% down for eligible service members and veterans, no mortgage insurance. County VA limits no longer apply to borrowers with full entitlement.
- Jumbo — for purchases above the conforming limit in Bexar County. Rates and guidelines vary by lender; we shop the options.
- Refinance — rate-and-term and cash-out refinances on your San Antonio property.
San Antonio neighborhoods we serve
- · Alamo Heights
- · Stone Oak
- · Monte Vista
- · King William
- · Dominion
- · Westover Hills
Not listed? We finance homes throughout Bexar County.
Why a broker — not a big-bank retail LO
As a broker, RICH Home Loans shops the same loan across multiple wholesale investors on your behalf. Big-bank retail loan officers can only sell their own bank's product, whether or not it's the best fit. For a purchase in San Antonio, that often means a lower rate, lower closing costs, or both.
Rich Blanchard is a 30-year mortgage veteran. The numbers on your quote are the numbers you close at — no bait-and-switch.
Closing Checklist
The 84-item checklist Rich uses to review every Closing Disclosure before you sign.
Banking After Hours
Full PITI + DTI + pre-qualification, 24/7. No credit pull.
Book a call
Free 15-minute scenario review. Weekends OK.
Other San Antonio–New Braunfels cities we serve
Ready to start?
Licensed in CO, TX, KS, and MO. Call, text, or email — or run your scenario yourself at Banking After Hours.