Our List of Preferred Lenders

You are welcome to use ANY mortgage lender who suits your needs and fits your budget, even if they’re not listed here. Keep in mind, with today’s fast-moving market, it might not be beneficial to select a mortgage lender, bank, or credit union whose hours are only Monday-Friday 8:00 AM – 5:00 PM. As you will learn early on, situations and/or questions arise around the clock, so you’ll want a team who will work alongside you when you need them!

As REALTORS®, we follow a strict Code of Ethics, so we expect the same level of service from the lenders, vendors, and contractors we recommend to our clients. We only work with partners who truly extend an equal opportunity to our very diverse clientele. Veteran-friendly.
LGBTQ-friendly.
Everyone is welcome here.

AGENT VAL’S PREFERRED LENDERS

[LISTED IN ALPHABETICAL ORDER - BY LAST NAME]
(updated 13 March 2023)

Quality and personalized service you can trust.

NOTE FROM AGENT VAL:
I’ve worked with Daylon for almost 20 years. He and his wife are affiliated with the Texas Veterans Land Board and have extensive knowledge in home loans for Active Military and Veterans. The Bradys are also proficient in first-time home buyer programs and are out-of-the-box thinkers when it comes to investment properties for both the novice and savvy investor.

The Bradys have worked in several areas of the mortgage industry, which make them uniquely knowledgeable about various loan programs, loan types, and what it takes to qualify today or prepare for tomorrow.

Daylon and Carrie have not only earned a top spot on our preferred lender’s list but have remained close lending partners and friends since 1999. ~Agent Val

MINIMUM CREDIT SCORE: 620 (with conditions)

• VA, FHA, FHA 203K (rehab loan), USDA, Conventional, and manufactured homes
• 5% Down Payment Program for 2-4 Unit homes (duplex, triplex, 4-plex)
• GRANTS & BOND PROGRAMS available to help with Down Payments
• Veteran Specialist, Veteran-Friendly
• Second Homes, Investment Properties
• Jumbo Loans

Daniel Camacho, NEXA Mortgage – San Antonio
Mortgage Loan Officer
P: 210-393-4689
E: dcamacho@nexamortgage.com

NEXA Mortgage offers lower rates with no fees! Daniel welcomes the competition. If another lender pre-approves you, call Daniel – he may be able to meet or beat your current quote. It’s not always about the interest rate, take a look at those fees, too!

MINIMUM CREDIT SCORE: 500 with 10% down and no late payments or 580+ with Manual Underwriting Approval and 3.50% down. 620+ for the best deal!

• VA, FHA, Conventional
• Veteran Specialist, Veteran-Friendly
• Most Underwriting approvals in less than 2-hours!

NOTE FROM AGENT VAL:

Dan earned a spot on our preferred lenders list in October 2020 when he beat a builder’s mortgage company’s rates and fees! He stayed on top of the buying process for our clients to ensure they closed on time. We all benefited from his attentiveness and determination to help our first-time buyers finance their very first home!   ~Agent Val

NOTE FROM AGENT VAL:
Fred earned a spot on our preferred lender’s list since March 2020. Just after San Antonio was shut down from the COVID-19 pandemic, Fred helped a close friend of ours and an essential worker close on her very first home without a hitch! He also helped a fellow Veteran with the purchase of his new home after we sold his listing at the peak of the city’s shutdown. ~Agent Val

One of the highlights of working with Megan and her team is that EVERYONE on her team works extremely well together! It’s hard to see a ball drop when a team member is nearby to pick it up! Another highlight of the Cloud Team is their eagerness to collaborate when creativity is needed to help a client reach the closing table. No buyer is left behind! They believe that every buyer and every client deserves top-notch, 5-star service!

NOTE FROM AGENT VAL:
Megan earned a solid spot on our preferred lender’s list after helping a buyer close on one of our listings in March 2022! Being the seller’s agent in this transaction, it was extraordinary to have such thorough communication from a buyer’s lender.  Megan continues to exceed our expectations with her knowledge, her communication, and her (almost) around-the-clock availability!  ~Agent Val

SPECIAL OFFERS FROM V.I.P. Mortgage

• SPECIAL OFFER #1: Apply with Megan Cloud at VIP Mortgage for a fully Underwritten pre-approval that will earn you a “Platinum Pre-Approval!” What does that mean? A Platinum Pre-Approval is the “golden ticket” that can back your offer with a guaranteed 2-week closing! Yes, for Veterans, too! (Inquire for details & conditions)
• SPECIAL OFFER #2: Get pre-approved with VIP Mortgage and submit your accepted contract before December 31, 2023, for a ***FREE*** refinance within 3 years after closing! (Contact Megan directly for details)

CHUCK ESPINOZA, Guild Mortgage

1149 E. Commerce Street #210

San Antonio, TX 78205

Cell: 210-393-6405

NOTE FROM AGENT VAL:
Chuck helped us successfully close a first-time homebuyer when other lenders turned them down. Chuck is friendly, helpful, patient, and experienced! Chuck has earned a spot on our preferred lender list since June 2021 by having one of the best follow-up systems in place. If a buyer isn’t qualifed today, Chuck will create a game plan and help with the follow-through! If your dream is to own a home, Chuck can get you there! ~Agent Val