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  1. United States
  2. Best Home Renovation Loan Companies
  3. Home Renovation Loan Companies in Texas
  4. San Antonio

Best Home Renovation Loan Companies in San Antonio

San Antonio Home Renovation Loan Companies stats: Key insights from this page’s listings Updated
Businesses listed
8
Average rating
4.9 209 reviews
Typical service price
$0 – $200 Median of 1 priced service
Most-offered services
Home Loan ServicesMortgage ServicesFirst-Time Home Buyer AssistanceMortgage RefinancingPre-Approval Services
What customers praise
recommend×46highly recommend×19great experience×9very professional×5
Renovation loansSan Antonio, TX

1

Directions Home Loan

Known for combining respectful communication with intuitive technology, Directions Home Loan offers renovation loan programs that cover both home purchase and rehab needs. Customers appreciate the team’s smooth process, fast updates, and personable approach, though some prefer phone applications over online forms. The company focuses on building ongoing connections beyond lending.

Services & Prices
First-Time Homebuyer Loans Quoted per loan
Refinancing Services Quoted per loan
Investment Property Loans Quoted per loan
View Profile
(210) 257-0642
Closed Now
2915 W Bitters Rd #102, San Antonio, TX 78248, USA
General Services
Home Loan Services
2

iTHINK Mortgage

iTHINK Mortgage specializes in Renovation Loans that combine the cost of purchasing or refinancing a home with funds for repairs or remodeling. Their team helps clients navigate various loan options to fit different renovation needs. Customers appreciate the clear communication and support throughout the process, though some find the volume of options a bit overwhelming.

Services & Prices
Conventional Loans Quoted per loan
VA Loans Quoted per loan
FHA Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(210) 683-1481
Closed Now
15900 La Cantera Pkwy Suite 26230, San Antonio, TX 78256, USA
General Services
Home Loan Services
3

San Antonio Mortgage LLC

San Antonio Mortgage LLC specializes in quick loan approvals through in-house underwriting, helping clients across Texas, Florida, and California with home purchases, refinancing, and renovation loans. Customers appreciate the team’s responsiveness and clear guidance throughout the mortgage process, though some note the experience depends on timely communication.

Services & Prices
New Mortgage Quoted per loan
Refinance Mortgage Quoted per loan
Pre-Approval Quoted per loan
View Profile
(800) 674-1474
Closed Now
8000 I-10 Suite 630, San Antonio, TX 78230, USA
General Services
Mortgage Services
4

Michelle Noble - Certainty Home Lending

Certainty Home Lending focuses on renovation loans that combine property purchase and renovation costs, allowing work to begin after closing without delays. Their team guides clients through the mortgage process, assisting with contractor selection, bids, and appraisals. Customers appreciate their clear communication and reliable support throughout the loan experience.

Services & Prices
Home Purchase Financing Quoted per loan
Refinancing Assistance Quoted per loan
Pre-Approval Letter Issuance Quoted per loan
View Profile
(210) 216-1745
Closed Now
18585 Sigma Rd Ste 100-101,San Antonio, TX 78258
General Services
Mortgage Services
5

Highland HomeLoans - San Antonio, TX

Highland HomeLoans specializes in renovation loans that combine home purchase and improvement costs into a single mortgage, simplifying financing for remodeling projects. The team offers a smooth, well-communicated process often completed remotely, with customers appreciating their professionalism and responsiveness. Some clients note that in-person meetings require appointments.

Services & Prices
Conventional Loans Quoted per loan
VA Loans Quoted per loan
FHA Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(210) 202-5993
Closed Now
3619 Paesanos Pkwy, San Antonio, TX 78231, USA
General Services
Mortgage Loans
Where they are 8 on the map Click a pin for the profile and directions
6

CMG Home Loans San Antonio-Chavez Mortgage Team

CMG Home Loans San Antonio-Chavez Mortgage Team specializes in renovation loans, including FHA 203(k) options that combine home purchase or refinance with remodeling costs into a single mortgage. The team offers clear communication and reliable preapprovals, helping borrowers navigate the process smoothly, though some customers note occasional delays in updates during busy periods.

Services & Prices
VA Loans Quoted per loan
FHA Loans Quoted per loan
Down Payment Assistance Programs Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(210) 290-0643
Closed Now
13750 San Pedro Ave #470, San Antonio, TX 78232, USA
General Services
Home Loan Services
7

Jefferson Bank Mortgage Loan Office

Jefferson Bank Mortgage Loan Office specializes in home equity lines of credit (HELOCs) that offer flexible borrowing options for renovations and other major expenses. The team is known for responsive, personalized service throughout the loan process, though some customers note occasional inconsistencies in communication. Many appreciate the local, community-focused approach.

Services & Prices
Home Purchase Loan Quoted per loan
Refinancing Quoted per loan
Construction Loan Quoted per loan
Unsecured Personal Loan Quoted per loan
View Profile
(210) 987-9055
Closed Now
6015 Broadway, San Antonio, TX 78205, USA
General Services
Mortgage Services
8

Guild Mortgage Company

Guild Mortgage, a top-rated independent lender of mortgages in the country*, has knowledgeable loan officers available in your area. Guild provides personalized and expert service to all types of customers for refinancing and new home purchases. We have the right loan for you, whether your goal is to buy your first home, upgrade, downsize, or invest in residential real property. You might have… more...

Guild Mortgage, a top-rated independent lender of mortgages in the country*, has knowledgeable loan officers available in your area. Guild provides personalized and expert service to all types of customers for refinancing and new home purchases. We have the right loan for you, whether your goal is to buy your first home, upgrade, downsize, or invest in residential real property. You might have found the ideal location but your house is in dire need of improvement. Perhaps you want to stay in your current home, but it's not important. A home renovation loan allows you to make improvements now, and then pay it off over time. This will allow you to create a beautiful place that you are proud of. Home renovation loans allow you to purchase or refinance any home, in nearly any condition. You can also make home improvements and then pay them off over time. Combine the purchase or refinance cost with estimated remodeling costs. You will be connected to a specialist in renovation loans and can choose your preferred contractor for the job.

View Profile
(210) 692-7500
Closed Now
10000 I-10 Suite 104, San Antonio, TX 78230, USA

San Antonio Home Improvement Loan Statistics

Home-improvement lending in Bexar County and home costs in San Antonio, TX (latest HMDA and Census data)

Lenders made 959 home-improvement loans in Bexar County in 2025 (average about $160,000) and denied 1,232 — 56% of decided applications, compared with 50% across Texas, according to federal mortgage data (HMDA, CFPB). The typical home in San Antonio was built in 1985 and is worth $235,700 (Census ACS 2020–2024).

Home-improvement loans, 2025
959▼ 10%1,064 in 2024
Denial rate
56%TX 50%
Median year homes built
1985TX 1992
Median home value
$235,700TX $283,800
Home-purchase loans made (Bexar County, 2025)
24,840
Refinance loans made (2025)
8,750
Average home-improvement loan
$160,000 (TX $155,000)
Owners with a mortgage
56% · 31% of them spend 30%+ of income on housing
Median household income
$65,056 (TX $78,476)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Bexar County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

San Antonio Home Renovation Loan Companies stats: 8 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Directions Home Loan 4.8 100 Quoted per loan (210) 257-0642 Visit
2 iTHINK Mortgage 4.9 46 $10 (210) 683-1481 Visit
3 San Antonio Mortgage LLC 5.0 16 Quoted per loan (800) 674-1474 Visit
4 Michelle Noble - Certainty Home Lending 5.0 16 Quoted per loan (210) 216-1745 Visit
5 Highland HomeLoans - San Antonio, TX 5.0 12 Quoted per loan (210) 202-5993 Visit
6 CMG Home Loans San Antonio-Chavez Mortgage Team 5.0 11 Quoted per loan (210) 290-0643 Visit
7 Jefferson Bank Mortgage Loan Office 4.4 7 Quoted per loan (210) 987-9055 Visit
8 Guild Mortgage Company 5.0 1 — (210) 692-7500 Visit

Frequently asked questions

8 questions
How do I choose the best home renovation loan company in San Antonio?
Consider verified reviews, ratings, and if the business has claimed its profile. TrustAnalytica ranks based on these factors for transparency.
What services do home renovation loan companies provide?
They offer financing options for home improvements, including loans for remodeling, repairs, and upgrades. Services may vary by company.
Are free consultations common with home renovation loan companies?
Yes, many companies offer free consultations to discuss loan options and terms before commitment.
What questions should I ask a home renovation loan company?
Inquire about interest rates, repayment terms, fees, and eligibility requirements to ensure the loan meets your needs.
Do I need a home renovation loan company for remodeling in San Antonio?
If you require financing for your home improvements, a loan company can provide the necessary funds.
How long does it take to get a home renovation loan in Texas?
The process typically takes a few weeks, depending on the lender and your financial situation.
How do fees typically work for home renovation loans?
Fees may include origination fees, appraisal fees, and closing costs. These vary by lender and loan type.
What is the typical interest rate range for home renovation loans?
Interest rates vary based on credit score, loan type, and market conditions. Check with lenders for current rates.

General information, not financial advice — consult a qualified professional.

Our Methodology

Best 10 renovation loans list assembly and recognition by TrustAnalytica for San Antonio is based on online reputation backed by review sources as google reviews, TrustAnalytica reviews and more.

We choose the best companies in the location and rank them based on rating, quantity of reviews and verification (Claimed or unclaimed profile).

Rankings are frequently updated to reflect the latest reviews from trusted sources.

Profile verification is free and may improve ranking, as we prioritize accurate, up-to-date profiles that are actively maintained and regularly reviewed.

TrustAnalytica's procedure for listing renovation loans companies involves manual research, review and placement. Please note that some companies are placed here through their registration with our services as every company gets not only access to our Saas services but also a profile that gets listed. We evaluate businesses based on their online reputation, accessibility, online resources such as website and their fit for best 10 renovation loans category.

The Process

1

Business Verification

Verified renovation loans listings in San Antonio are based on robust online activity and Google reviews, ensuring credibility.

2

Business Details

Comprehensive renovation loans profiles offer vital details for informed decisions in San Antonio.

3

Reviews And Ratings

Real-time customer ratings guide our renovation loans rankings in San Antonio, reflecting genuine reputation.

4

SEO And Keywords

Our SEO strategy elevates the visibility of top renovation loans providers in San Antonio.

5

AI Search Visibility

Every renovation loans listing in San Antonio is published with structured data that AI search tools like ChatGPT, Perplexity and Google AI Overviews can read and cite.