How much house can you afford in San Antonio? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Academy Mortgage Corporation
5.0 · 100 reviews · Free pre-approval
Get pre-approved →
Accredited Mortgage Services
5.0 · 77 reviews · Free pre-approval
Get pre-approved →
Crown Lending Inc
5.0 · 53 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Academy Mortgage Corporation focuses on helping families achieve sustainable homeownership with a culture centered on people rather than paperwork. The team offers mortgage lending services and is often recognized for clear communication and support throughout the homebuying process. Some customers note occasional lapses in follow-up communication.
Accredited Mortgage Services specializes in a wide range of mortgage financing, including FHA, VA, Conventional, Jumbo, Reverse Mortgages, and Construction Loans. Customers appreciate the team’s clear communication, responsiveness, and ability to simplify refinancing and home loan processes, often noting a smooth, efficient experience from start to finish.
Crown Lending Inc. focuses on helping borrowers find mortgage products that fit their unique needs, using up-to-date financial tools to simplify the process. The team offers guidance through home purchases and refinancing, with clients appreciating their clear communication and personalized support throughout each loan.
Known for simplifying the mortgage process with clear communication, New Horizon Mortgage, Inc. offers mortgage and refinance services tailored to individual financial needs. Their team works closely with borrowers, including veterans, to find competitive rates and smooth the path to homeownership. Customers appreciate their responsiveness and personal approach throughout the loan journey.
Known for clear communication and regular updates throughout the loan process, Clarity Mortgage offers a full range of home loan options backed by over a decade of combined experience. The team is praised for their responsiveness and friendly approach, though a few clients in specialized fields have found the process less smooth.
Pilgrim Mortgage specializes in guiding clients through home purchases and refinancing with clear explanations and attentive support. The team offers full-service mortgage assistance across multiple locations, helping both first-time buyers and repeat homeowners. While many appreciate their knowledge and responsiveness, some have experienced delays and challenges with unique financial situations.
Rodsan Mortgage LLC focuses on helping clients secure home loans with affordable interest rates and low closing costs. The team guides borrowers through challenges that may arise, offering clear communication and timely responses throughout the process. Customers appreciate their honesty and the smooth, well-informed experience.
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.
With over 17 years of experience, Smart Rate Mortgage Brokers specializes in FHA, Conventional, VA, and Jumbo loans, helping families navigate home financing. The team is known for clear communication and quick responses, though some clients note occasional delays in closing times. They focus on making the mortgage process as smooth as possible.
This was the second time to use Crown Lending. Olga is very proactive in all aspects of the loan process and keeps you very informed during the process. Olga went above and beyond to help get me qualified for the most previous loan. Thank you Olga for your kindness and warm demeanor. It was a pleasu…
Lenders made 24,840 home-purchase loans in Bexar County in 2025 (average about $319,000) and denied 5,044 — 17% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In San Antonio, the median home is worth $235,700 and 56% of owners have a mortgage, paying a median $1,801 a month (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 | Academy Mortgage Corporation | 5.0 | 100 | Quoted per loan | (210) 399-0401 | Visit |
| 2 | Accredited Mortgage Services | 5.0 | 77 | Quoted per loan | (210) 949-1855 | Visit |
| 3 | Crown Lending Inc | 5.0 | 53 | Quoted per loan | (210) 828-3384 | Visit |
| 4 | New Horizon Mortgage, Inc. | 4.8 | 55 | Quoted per loan | (210) 341-5626 | Visit |
| 5 | Clarity Mortgage | 4.9 | 54 | Quoted per loan | (210) 362-1244 | Visit |
| 6 | Pilgrim Mortgage | 4.4 | 55 | Quoted per loan | (210) 499-4200 | Visit |
| 7 | Rodsan Mortgage LLC | 4.9 | 32 | Quoted per loan | (210) 736-2638 | Visit |
| 8 | San Antonio Mortgage LLC | 5.0 | 16 | Quoted per loan | (800) 674-1474 | Visit |
| 9 | Smart Rate Mortgage Brokers LLC | 4.6 | 11 | Quoted per loan | — | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.