Mortgage knowledge, minus the jargon
Learn before you sign.
I break down credit, down payments, debt-to-income (how much of your income goes to debts), loan programs, and what buyers should actually ask before making a move.
Visit @AELends on YouTubeGuides
VA loans in San Antonio
No down payment, the funding fee, PCSing to Joint Base San Antonio, and Texas property tax breaks for disabled veterans.
First-time buyer programs
What you really need saved, TSAHC down payment help I offer, and the other programs in San Antonio.
FHA loans in San Antonio
3.5% down with a 580 score, the 2026 Bexar County limit, what mortgage insurance costs, and FHA vs conventional.
Bexar County property taxes
2026 rates by school district, the homestead exemptions, a worked example and the dates to know.
Mortgage glossary
Every term you'll hear, from APR and escrow to option fee and PMI, in plain English.
Free calculators
These open on my free calculator site, HomeBuyingCalc.com. No signup and no credit pull.
FHA payment
See what an FHA payment could look like.
VA payment
Run your VA payment and see how much money is left over each month (the VA calls this residual income).
Conventional
Compare your payment and down payment, including mortgage insurance (PMI) under 20% down.
Cash to close
Plan for the money you’ll need at closing.
Read your Loan Estimate
Make sense of the fees, line by line.
Texas veteran property tax
Explore how your disability rating could affect property taxes.
More videos
Have a question about your own situation?
Applying takes 10–15 minutes online. I usually pull credit within 24 hours, unless you'd like me to wait.