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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Texas
  4. San Antonio
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator San Antonio, TX

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.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in San Antonio

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Academy Mortgage Corporation

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.

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) 399-0401
Closed Now
211 N Loop 1604 E Suite #260, San Antonio, TX 78232, USA
General Services
Home Loan Services
2

Accredited Mortgage Services

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.

Services & Prices
Residential Refinance Quoted per loan
Commercial Refinance Quoted per loan
VA Loan Refinance Quoted per loan
VA Loan Assistance Quoted per loan
View Profile
(210) 949-1855
Closed Now
11602 Elm Bluff, San Antonio, TX 78230, USA
General Services
Refinancing
3

Crown Lending Inc

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.

Services & Prices
Home Purchase Mortgage Quoted per loan
Home Refinance Mortgage Quoted per loan
VA Loan Assistance Quoted per loan
View Profile
(210) 828-3384
Open 7:00 AM - 8:00 PM
102 W Crockett St #705, San Antonio, TX 78205, USA
General Services
Mortgage Services
4

New Horizon Mortgage, Inc.

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.

Services & Prices
Conventional Home Loan Quoted per loan
VA Loan Quoted per loan
FHA Loan Quoted per loan
Cash-Out Refinance Quoted per loan
View Profile
(210) 341-5626
Open 8:00 AM - 6:00 PM
11106 West Ave, San Antonio, TX 78213, USA
General Services
Home Loan Services
5

Clarity Mortgage

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.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate & Term Refinance Quoted per loan
View Profile
(210) 362-1244
Closed Now
2929 Mossrock #118, San Antonio, TX 78230, USA
General Services
Home Purchase Financing
Where they are 9 on the map Click a pin for the profile and directions
6

Pilgrim Mortgage

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinance Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(210) 499-4200
Closed Now
1270 N Loop 1604 E #1101, San Antonio, TX 78232, USA
General Services
Mortgage Services
7

Rodsan Mortgage LLC

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.

Services & Prices
Fixed Rate Mortgage Quoted per loan
VA Loans Quoted per loan
FHA Loans Quoted per loan
Rate Reduction Refinance Quoted per loan
View Profile
(210) 736-2638
Closed Now
5282 Medical Dr Suite 106, San Antonio, TX 78229, USA
General Services
Home Mortgage
8

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
9

Smart Rate Mortgage Brokers LLC

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Services Quoted per loan
Mortgage Rate Lock Services Quoted per loan
View Profile
Closed Now
227 North Loop 1604 East Suite 150 #128, San Antonio, TX 78232, USA
General Services
Mortgage Brokerage

Latest reviews of San Antonio Mortgage Brokers

Written on TrustAnalytica by clients of the businesses in this list
  • Jeff

    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…

San Antonio Mortgage Statistics

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

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).

Home-purchase loans, 2025
24,840▼ 1%25,186 in 2024
Denial rate
17%TX 19%
Median home value
$235,700TX $283,800
Monthly cost with a mortgage
$1,801median · TX $2,106
Refinance loans made (Bexar County, 2025)
8,750 · 7,301 in 2024
Home-improvement loans made (2025)
959
Average home-purchase loan
$319,000 (TX $364,000)
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 Mortgage Brokers stats: 9 businesses compared side by side · updated
# 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

How this San Antonio mortgage affordability calculator works

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.

Texas rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 1.25% of the home's value a year, the Texas average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

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.

Frequently asked questions

10 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and PMI. It's a guideline, not a guarantee.
How accurate is the San Antonio mortgage calculator?
The calculator gives an estimate. For exact numbers, a lender must verify your income, debts, credit, and down payment through pre-approval.
What is the debt-to-income ratio for mortgages in Texas?
Lenders typically cap housing costs at 31% of gross monthly income and total debt at 43%. Some allow more with strong credit.
What is the minimum down payment for a home in San Antonio?
Minimum down payments are 3% for conventional first-time buyer loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Texas?
For down payments under 20%, conventional loans add PMI, about 0.6% of the loan yearly. It can be removed when the balance is below 80% of the home's value.
How do interest rates change what I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% as of October 2026.
How do debts affect my mortgage eligibility in San Antonio?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders cap total debt payments at 43% of your gross income.
What is the property tax rate in Texas?
The property tax is about 1.25% of the home's value annually, based on the 2024 average for owner-occupied homes in Texas.
What is the difference between pre-approval and pre-qualification?
Pre-approval involves a lender verifying your financial details, while pre-qualification is an initial estimate without verification.
What does a mortgage broker do?
A mortgage broker helps you find and apply for home loans by comparing different lenders' offers and terms.

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