Mortgage Loan Options in Texas
| FHA | VA | Conventional | USDA | ITIN | DSCR | Refinance | Down Payment Assistance Programs
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VA Loans
Available to eligible veterans, active-duty service members, and certain spouses. VA loans may offer competitive terms with no monthly mortgage insurance. Eligibility and entitlement requirements apply.
FHA Loans
Designed for buyers with flexible credit and lower down payment options. FHA loans allow higher debt-to-income ratios in some cases. Mortgage insurance is required.
Conventional Loans
A traditional mortgage option with a range of down payment and credit requirements. May offer lower costs over time for well-qualified borrowers. Private mortgage insurance (PMI) may apply with lower down payments.
USDA Loans
Designed for eligible rural and suburban homebuyers who meet income and property requirements. May offer low or no down payment options with reduced mortgage insurance compared to some programs. Property eligibility, income limits, and occupancy requirements apply.
Contact
Sergio Bargas | Mortgage Loan Originator | NMLS #2603218
Opening Hours
Mon - Fri: 9am - 8pm
Saturday: 10am - 8pm
Sunday: 12pm- 8pm
Helping first-time homebuyers and homeowners secure FHA, VA, USDA, Conventional, and Refinance loans in San Antonio, Castroville, Boerne, Garden Ridge, and surrounding Texas communities.
Sergio Bargas | Mortgage Loan Originator | NMLS #2603218
Powered by NewFed Mortgage Corp | NMLS #1881
Equal Housing Opportunity | All loans subject to credit approval.
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Testimonials
"Sergio made our homebuying experience incredibly easy and stress-free. He took the time to clearly explain every step of the loan process, always answered our questions promptly, and kept us informed from pre-approval through closing. His professionalism, patience, and constant communication gave us confidence the entire way. We’re very grateful for his help and highly recommend Sergio to anyone looking for a loan officer."
Mark Moreno
"Muy recomendado nos ayudaron mucho con todo el proceso de la compra de nuestra segunda casa y lo mejor en nuestro idioma. Todas las dudas y preguntas que tuvimos en minutos nos contestaban . Gracias Sergio y Erica por todas las atenciones y paciencia."
Martha Vasquez
"I can't say enough about the outstanding service I received from Sergio. His team went above and beyond to meet our needs and exceeded our expectations. We will be recommending him to all our friends and family looking to make a move down to Texas like us. Thanks again Sergio "
Oliver Hartman
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