3.5% down
FHA
Flexible credit and down-payment options for eligible primary-residence buyers.
See if it fits →
VETERAN-OWNED. VETERAN-FOCUSED.
Apply securely →Rudy Lozano and Team • Texas mortgage professionals
A simpler path
to your Texas home.
Professional guidance, clear choices, and secure technology—so you always know what happens next.
✓ Veteran-owned✓ Local San Antonio team✓ Licensed across Texas
Your information stays yours.Create your own username and password.
Apply securelyCreate your private account
→02Calculate paymentEstimate the full monthly cost
→03Talk to our teamChoose your loan professional
→Financing built around you
One goal. More ways to get there.
Every buyer’s story is different. We compare available options and explain the tradeoffs—plainly.
Eligible borrowers
VA
Powerful financing for veterans, active-duty service members, and eligible surviving spouses.
See if it fits →0% down eligible
USDA
Income- and location-qualified rural housing financing across eligible Texas communities.
3–10%+ down options
Conventional
97%, 95%, 90%, and 80/15 structures, subject to eligibility, loan limits, credit, and pricing.
See if it fits →Income flexibility
Non-QM
Bank statement, 1099, profit-and-loss, and other alternative-documentation solutions.
See if it fits →Investor focused
DSCR
Purchase, refinance, and cash-out options qualified primarily by investment-property cash flow.
See if it fits →Buying outside the city? Check USDA property and income eligibility
USDA
Could your property qualify for USDA financing?
Use the official USDA Rural Development tools to check the property location and household-income requirements. The online results are preliminary; USDA makes the final eligibility determination after receiving a complete application.
Plan with confidence
Estimate your complete monthly payment.
Choose a loan type and adjust the home price, down payment, taxes, insurance, HOA dues, and mortgage-insurance assumptions.
Illustration only—not a Loan Estimate or commitment to lend. Actual taxes, insurance, HOA dues, PMI/MI, rates, loan limits, and program fees vary. FHA and USDA upfront fees are not included in this estimate.Estimated total payment$3,648/mo
Estimated loan amount: $403,750
Principal & interest$2,486
Property taxes$744
Homeowners insurance$200
HOA dues$0
PMI (0.65%)$219
Mortgage knowledge center
Details when you want them. Simplicity when you don’t.
Open only the topic that matters to you. Every section uses plain language, official resources, and clear next steps.
012026 loan limits & eligibilityFHA, conventional, VA, USDA, credit-score context, and official agency links+
2026 program snapshot
Know the limit. Understand the qualification.
Clear national figures, official agency links, and the credit-score context buyers need before choosing a program.
FHA1-unit • 2026
$541,287National floor
High-cost areas may allow up to $1,249,125. A 580+ score may qualify for FHA’s 3.5% minimum investment, subject to automated underwriting and lender overlays.
View official FHA limits ↗Conventional1-unit • 2026
$832,750Baseline conforming limit
The one-unit high-cost ceiling is $1,249,125. Fannie Mae and Freddie Mac eligibility, income, pricing, and mortgage-insurance rules still apply.
Check county limits ↗VAFull entitlement
No agency capApproval is still based on qualification
VA does not set a universal minimum credit score. Select lender programs may consider 580+, but income, credit history, appraisal, entitlement, and lender requirements determine approval.
Review VA entitlement & limits ↗USDA GuaranteedSan Antonio area • family of 4
$122,8002026 household-income limit
USDA Guaranteed does not publish one nationwide maximum loan amount. The approved amount depends on repayment ability, appraisal, eligible location, household income, and lender guidelines. Select lender programs may consider 580+.
Published figures are educational snapshots for one-unit homes. County, property type, household size, entitlement, occupancy, automated-underwriting findings, and lender or investor overlays can change the result. A 580 score is not a promise of approval.
02Down payment assistance & affordabilityTSAHC, San Antonio HIP, FHA secondary financing, and buy-down strategies+
Down payment assistance center
Explore current Texas and San Antonio resources.
Program funding and guidelines can change. These official links give you the latest published status; Rudy Lozano and Team can then help you compare an eligible assistance structure with your primary mortgage.
TSAHC statewide assistanceSan Antonio HIP updatesEligible FHA second-lien structuresTemporary and permanent buy-downs
Build my buying plan →Official Texas resource
TSAHC Home Buyer Programs
Explore Home Sweet Texas, Homes for Texas Heroes, down-payment assistance options, eligibility, and current program information directly from the Texas State Affordable Housing Corporation.
FY 2026 applications paused
San Antonio Homeownership Incentive Program
The City’s current page says HIP 80 and HIP 120 are not accepting new FY 2026 applications. If renewed by City Council, funding is expected to become available October 1, 2026.
Scenario review required
FHA first mortgage + eligible second lien
A permitted secondary-financing source may provide funds toward FHA’s required minimum investment, potentially creating a low- or no-out-of-pocket down-payment structure. The second lien, source of funds, combined financing, repayment terms, credit, and all FHA requirements must qualify. Income restrictions may apply depending on the assistance provider.
03Mortgage video libraryShort explanations from Rudy Lozano and Team—without the banking jargon+
Mortgage answers—in plain English
Watch. Learn. Move forward confidently.
Short, useful videos from Rudy Lozano and Team will help buyers understand the process without the banking jargon.
▶
MEET YOUR MORTGAGE TEAMWhy local guidance still matters
Video-ready space for Rudy’s welcome message. Add your video and it will play directly here.
▶01:00
What happens after you apply?
A simple walkthrough of application, documentation, underwriting, and closing.
▶01:00
Which loan program fits?
FHA, VA, USDA, and conventional choices explained without the confusion.
TEXAS HOMEBUYERSMore than a mortgage.
Start your home story →
More than a mortgage.
A place to belong.
Start your home story →
BUILD YOUR PORTFOLIO
Financing for the next door—and the one after that.
Explore investor loans →04Conventional loan structures97%, 95%, 90%, 80/15, seller contributions, HomeReady®, and Home Possible®+
Conventional, explained
Flexible structures for qualified buyers.
3% down option
HomeReady®, Home Possible®, and other conventional options may offer reduced mortgage-insurance pricing or other incentives, subject to income, occupancy, location, and borrower eligibility.
5% down option
A widely used structure with fixed- and adjustable-rate possibilities, subject to underwriting and mortgage-insurance approval.
10% down—or more
For an eligible primary residence or second home at 90% LTV, an interested party such as the seller may generally contribute up to 6% of the lower of the sales price or appraised value toward allowable closing costs, prepaids, and eligible financing concessions.
First + second lien
A possible 80% first mortgage plus 15% second lien and 5% down. Availability, combined loan-to-value, credit, pricing, and second-lien terms apply.
SELLER-CONTRIBUTION GUIDE
More down payment can create more room for eligible closing-cost help.
Over 90% LTVUp to 3%
75.01%–90% LTVUp to 6%
75% LTV or lessUp to 9%
Location and income can unlock opportunities.
Fannie Mae and Freddie Mac programs may offer benefits tied to household income, property location, or the area being served. We’ll review the current eligibility rules for your exact address and financial profile.
Your mortgage roadmap
From first conversation to the keys.
Every file is different, but these are the milestones most buyers can expect.
Discuss goals, budget, timing, and possible loan programs.
Create your private login and submit financial information.
We review documentation, credit, income, assets, and eligibility.
Shop confidently, negotiate, and send us the signed contract.
Appraisal, title, insurance, conditions, and final loan review.
Review final figures, sign, fund, and receive your keys.
Frequently asked questions
Clear answers before you apply.
Start here, then let Rudy Lozano and Team build a plan around your exact situation.
Does a 580 credit score guarantee approval?+
No. A 580 score may be considered in select FHA, VA, or USDA lender scenarios, but it does not guarantee approval. Credit history, income, assets, debts, automated-underwriting findings, property eligibility, agency rules, and lender overlays all matter.
How fast can I get preapproved?+
Timing depends on receiving a complete application and usable documentation. Secure technology can speed up collection and review, but preapproval is not a commitment to lend and may require follow-up items.
Is my information submitted securely?+
Yes. You create your own username and password for the secure application environment. Do not send Social Security numbers, bank statements, tax returns, or identity documents through ordinary email or text.
Can I meet with someone in person?+
Absolutely. First-time buyers, veterans, seniors, and anyone who prefers face-to-face guidance can request a confidential appointment at our San Antonio office.
Can assistance cover my down payment?+
Possibly. TSAHC, local programs, or eligible secondary financing may help qualified buyers. Funding, income limits, property rules, repayment terms, and availability vary, so we verify current guidelines for each scenario.
How do I know whether a home is USDA eligible?+
Use the official USDA property and income tools linked on this page. Online results are preliminary; USDA makes the final eligibility determination after reviewing a complete application.
What is included in the payment calculator?+
The estimate includes principal and interest, property taxes, homeowners insurance, HOA dues, and estimated PMI or government mortgage insurance when selected. It is an educational estimate, not a Loan Estimate.
Can a DSCR loan help me exit hard money?+
It may. Qualified investment properties can use rate-and-term or cash-out DSCR financing to replace short-term hard-money debt, potentially with a long-term fixed-rate option. Appraisal, rental cash flow, seasoning, reserves, credit, and program rules apply.
Your privacy comes first
Apply in your own secure account.
When you begin your application, you create your own username and password. Your personal and financial information is entered inside the secure loan environment—not sent through ordinary email or text.
1Create your private login2Complete the application securely3Track documents and next steps
Apply here in our secure portal →For your protection, never email financial statements, Social Security numbers, or identity documents.
Fidelity Mortgage • Company NMLS 779416 | Rudy Lozano • NMLS 233144
05Investor, DSCR & specialty financingForeign nationals, owner-financed properties, Non-QM, refinance, and cash-out options+
DSCR for real estate investors
Put the property’s cash flow to work.
DSCR financing can be a strong fit for experienced and first-time investors, foreign nationals, and eligible properties acquired through owner financing. Explore purchase, rate-and-term refinance, and cash-out refinance options—including a possible exit from short-term hard-money financing into a lower long-term fixed rate.
Qualification is generally driven by rental income and property cash flow rather than personal employment income. DSCR ratio, seasoning, appraisal, reserves, credit, entity vesting, prepayment terms, and program restrictions apply. Owner-financed transactions and foreign-national scenarios require additional review.
Investor purchasesRate-and-term refinanceCash-out refinanceHard-money exit strategyOwner-financed propertiesForeign nationalsLong-term fixed-rate optionsRental cash-flow qualification
Rudy Lozano and Team
Technology moves the file. People move the experience.
Select your loan professional to see their direct contact and secure application options.
YOUR LOAN PROFESSIONAL
Rudy Lozano
Mortgage Broker • NMLS 233144
Ready when you are
Let’s make your Texas home move happen.
No pressure. Just clear answers, honest guidance, and a team that respects your time.