How long does mortgage pre-qualification take?

The pre-qualification process is very fast. Once you submit your basic information, you can get a response and your letter in minutes, 100% digitally.

Can I get a mortgage with an ITIN instead of an SSN?

Yes. We offer specialized ITIN mortgage programs. We evaluate your employment history and payment capacity to find the best option.

Can self-employed borrowers qualify for a mortgage?

Yes! Self-employed individuals can qualify through Bank Statement programs or using net income from tax returns over the last two years.

What credit score do I need to buy a house?

Generally a minimum of 620 for conventional programs. FHA loans may allow scores from 580. ITIN and Non-QM programs have different requirements.

What states do you serve?

We are licensed in Texas, Florida (MBR6524), Oklahoma (MB016008), and California (60DBO-186180). Investment property loans available in 30+ states.

San Antonio, TX

Mortgage Loans in San Antonio, TX

Serving all of San Antonio and the surrounding metro — from the Northside to the South Side, Schertz to Helotes. FHA, VA, ITIN, conventional, and all loan programs available to every buyer.

Down with VA loan

4.9★

Average rating

500+

Families helped

48h

Pre-qual turnaround

Available Programs

VA Loans

0% down · no PMI · veterans

FHA Loans

3.5% down · FICO 580+

First-Time Buyer

DPA · low down payment

ITIN Loans

No SSN required

Conventional

3% down · no upfront MIP

Self-Employed

Bank Statement · 1099

USDA Loans

0% down · suburban areas

DSCR Investor

Qualify on rental income

Jumbo / Non-QM

High-value properties

What our clients say

"As active duty, I needed someone who understood VA loans. Liuver walked me through every benefit and closed our home with $0 down. Outstanding!"

Sgt. Marcus W.

Joint Base San Antonio, TX

"Me ayudó con un ITIN loan cuando pensé que era imposible comprar casa sin SSN. Ahora soy dueña de mi propia casa. ¡Gracias!"

Lupita M.

San Antonio Westside, TX

"Very smooth process from start to finish. Liuver kept us informed every step. Closed our FHA loan on time despite a complicated situation."

David H.

Leon Valley, TX

Your next step

Let’s move forward, one step at a time.

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