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’ll 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)
The Wood Group of Fairway Mortgage, The Brady Team
Quality and personalized service you can trust.
I’ve worked with Daylon for almost 20 years. He is affiliated with the Texas Veterans Land Board. Daylon has worked in several areas of the mortgage industry, which makes him uniquely knowledgeable about various loan programs and what it takes to qualify. Daylon also offers a complimentary credit consultation to our clients who are planning early for their new home purchase. If you don’t qualify today, he will help customize a game plan for your future! Daylon has not only earned a top spot on our preferred lender’s list but has remained a close lending partner since 1999.
~Agent Val
MINIMUM CREDIT SCORE: 600 with conditions
- VA, FHA, FHA 203K (rehab loan), USDA, Conventional, and manufactured homes
- GRANTS & BOND PROGRAMS available to help with Down Payments
- Veteran Specialist, Veteran-Friendly
- Second Homes, Investment Properties
- Jumbo Loans
Daniel Camacho
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!
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
FRED CAMARILLO, BROKER/OWNER
SmartRate Mortgage Brokers
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
MINIMUM CREDIT SCORE: 620+
- VA, FHA, Conventional
- Veteran Specialist, Veteran-Friendly
- Clear-to-Close with the lowest rates in record time!
Sr. VP Branch Manager
Direct: (210) 381-3707
Email: mcloud@vipmtginc.com
VIP Mortgage, Inc.
7010 W Loop 1604 N, Suite 107
San Antonio, TX 78254
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!
Megan earned a spot on our preferred lender’s list after helping a buyer close on one of our listings in March 2022! Her communication through-out the transaction was out of this world! (And we were the *Seller’s* agent) ~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 May 31, 2023, for a ***FREE*** refinance within 3 years after closing! (See details below)
Guild Mortgage
Cell: 210-393-6405
Chuck helped us successfully close a first-time homebuyer when other lenders turned them down. He’s friendly, helpful, patient, and experienced! Chuck has earned a spot on our preferred lender list since June 2021. ~Agent Val
Own a Piece of Texas 
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