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