San Antonio 210-493-4406
Call Today while rates are still low

Welcome to Texas State Home Loans,Inc.

We appreciate your visit to our web site! If you would like us to call you to discuss a home loan purchase, refinance, home equity, cash out or combination of these, just click on the "apply now" button on the right hand side above.  You will have the option to fill out a long or short form application. Once completed, just click "submit" and we will call you ASAP.

  • No upfront application or credit fees, quotes and pre-qualifications are FREE
  • No need to reveal your social security number on initial contact
  • We do not need to pull your credit to email you a written quote/worksheet
  • Most loans close in 35 days or less
  • Conventional, FHA and VA products available

Check out the credit score requirements

           FHA minimum 600 required mid-score
           VA minimum 620 required mid-score           
           Conventional minimum 620 required mid-score 

Current Rates

  • 30yr fixed conv. 2.75%, APR 3.22% (includes PMI), 5% down
  • 15yr fixed conv. 2.50%, APR 2.875% (Includes PMI), 5% down
  • 30yr fixed VA 2.375%, APR 2.395%, no points, assumes no VA funding fee (No Money Down)
  • 30yr fixed FHA 2.50%, APR 3.775% (Includes Required FHA Ins), no points (3.5% Down)
  • RATES AS OF 12/28/2020

* Owner occupied homes, first lien, 740 credit mid-score, loan amount $200,000 for purchase or no cash out refinance. Rates subject to change without notice. We offer loans to lower credit scores, lower loan amounts, less/more down payment and other loan types. Please call or fill out a short application to get your specialized quote. Texas State Home Loans,Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.Contact Texas State Home Loans,Inc. to find out more about the products and services we can provide.