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Now Lending in San Antonio

San Antonio home loans —
the Alamo City.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across San Antonio and Bexar County. From historic homes in King William to gated communities in The Dominion, we bring local guidance to the Alamo City — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Bexar County
San Antonio Metro Coverage
14 days*
Close In As Little As
$832,750
2026 Bexar County Conforming Limit
5.0 ★
Google Review Rating
San Antonio Markets

Local lending across
every San Antonio neighborhood.

San Antonio Neighborhoods

Historic riverfront districts, established inner-loop enclaves, and growing north-side suburbs.

  • Alamo Heights & Terrell Hills
  • Stone Oak & The Dominion
  • King William & Southtown
  • Olmos Park & Monte Vista
Military-City Strength

A steady, affordable market anchored by a strong military and healthcare presence.

  • VA & first-time programs
  • Relocation & PCS financing
  • Bexar County coverage
  • Minutes to JBSA & the Medical Center
Every Kind of San Antonio Buyer

From first homes to move-up, luxury, and investor purchases.

  • First-time & move-up buyers
  • VA & FHA financing
  • Jumbo financing for The Dominion luxury
  • Investment & rental properties (DSCR)
Alamo HeightsStone OakKing WilliamThe DominionTerrell HillsOlmos ParkSouthtownMonte VistaDowntown
Loan Programs in San Antonio

Financing for every
kind of San Antonio buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time San Antonio homebuyers.

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VA Loans

0% down for San Antonio's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for San Antonio's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your San Antonio investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for San Antonio's self-employed borrowers.

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FAQ

San Antonio mortgage
questions answered.

We serve homebuyers and homeowners throughout San Antonio and Bexar County, including Alamo Heights, Stone Oak, King William, The Dominion, and Olmos Park, plus the wider metro.
The 2026 conforming loan limit is $832,750 in Bexar County, including San Antonio. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
San Antonio borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your San Antonio home journey?

Get pre-approved today — no cost, no obligation. San Antonio borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825