San Antonio and South and Central Texas
Areas I serve
I'm based in San Antonio and work mainly in South and Central Texas. Because I shop dozens of lenders, I can help you anywhere in the state.
San Antonio
San Antonio is home. My office is on San Pedro Avenue on the North Side. I take calls and texts 7 days a week, and office visits are by appointment.
If you're buying in the city, start with my Bexar County guide for 2026 tax rates by school district. Then pick the loan that fits:
- First-time buyer programs, including TSAHC down payment help
- VA loans for veterans and anyone PCSing to Joint Base San Antonio
- FHA and conventional loans
- Bank statement loans if you're self-employed, and DSCR loans for rentals
Compare property taxes nearby
Property taxes can change your monthly payment as much as the price. Here's how the 2026 rates compare across the places I work most:
| Area | County | School district | Combined rate | USDA in town? |
|---|---|---|---|---|
| San Antonio | Bexar | North East, Judson, Northside, San Antonio ISD | 2.30% to 2.51% | No |
| Converse | Bexar | Judson ISD | 2.26% | No |
| Schertz and Cibolo | Guadalupe | SCUC ISD | 2.08% to 2.10% | No |
| New Braunfels | Comal | New Braunfels ISD, Comal ISD | 1.76% to 1.80% | No |
| Fredericksburg | Gillespie | Fredericksburg ISD | 1.30% | Yes |
Rates are for homes inside city limits (Fredericksburg: inside city limits in Fredericksburg ISD). San Antonio's range is across the four largest school districts. USDA was checked at each town's center on November 9, 2026. Each guide links to its sources.
Area guides
San Antonio
2026 rates by school district, the homestead exemptions, a worked example and the dates to know.
Converse
Its own city near Randolph. 2026 rates and a worked example with every homestead exemption.
Schertz and Cibolo
2026 rates after SCUC ISD's November tax election, a worked example and loans near Randolph.
New Braunfels
2026 rates for both school districts, a worked example, and options for buying a rental.
Fredericksburg
Some of the lowest taxes around, USDA's $0-down loan, and financing for weekend homes and rentals.
Elsewhere in Texas
I also help buyers in Austin, Houston, Dallas, McAllen, El Paso and the Hill Country. The process is the same anywhere in the state: I compare lenders for you, and you see your options side by side before you choose. If you're moving to San Antonio from another city, I can get you pre-approved before you get here.
Not sure how a broker works? My broker vs. bank guide explains it.
Buying somewhere on this list?
I'll look up the exact taxes for the homes you're considering and compare lenders for you. No cost to talk.
Applying takes 10–15 minutes online. I usually pull credit within 24 hours, unless you'd like me to wait.