Loan Programs: Your Path to Homeownership

At TLP Mortgage, 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.

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  • CONVENTIONAL

    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 Loan

    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)

    An 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.

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  • Construction Loan

    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 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.

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  • USDA 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.

Additional Loan Products

HOME POSSIBLE

Offers low down payments for low- to moderate-income buyers or buyers in high-cost or underserved areas.

REFINANCE

Allows cash to be taken out of current property or to improve the terms of a current loan.

ARM

(Adjustable Rate Mortgage) Interest rate on the note will periodically adjust.

DPA

(Down Payment Assistance) For individuals needing help with down payment, click here to learn more.

FHA 203K

Allows the financing of additional funds into a mortgage for improvements before moving in.

INVESTMENT

For those looking to finance a property that they don’t plan to occupy and will rent out to others.

NON-QM

(Non-Qualified Mortgage) For those who do not qualify for Fannie Mae, Freddie Mac & FHA loans.

Why Choose TLP?

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.