Mortgage Loan Programs in New Braunfels, TX

Mortgage Loan Programs in New Braunfels, TX

Explore homebuyer guidance, FHA, down-payment assistance, conventional, and VA home-loan paths in plain English.

Mortgage Loan Programs in New Braunfels, TX

First-Time Home Buyer Guide

FHA Loans in New Braunfels

Conventional Loans in New Braunfels

VA Loans in New Braunfels and San Antonio

Texas Down Payment Assistance

Which Mortgage Is Right for Me?

The Home Loan Process, Step by Step

Mortgage FAQs

Why use a mortgage broker instead of a bank?

What does getting preapproved cost?

How long does getting a mortgage take?

What documents will I need for a mortgage?

What credit score do I need to buy a house?

Can family help with my down payment?

Do I need two years at the same job?

Not Sure Which Loan Is Yours? Book a 20-Minute Call

Programs

Programs & process

Five doors in, every one of them openable. Collin Jorden, a mortgage broker in New Braunfels (NMLS #2103826), matches every buyer against FHA, VA, conventional, and Texas down payment assistance programs, then shows the comparison in one page of plain English. Here’s the whole menu.

Not a loan — the map. Budgets, credit, timelines, what to save and what not to touch, and how the programs below actually compare for someone starting from zero.

3.5% down with a 580+ credit score, gift funds allowed for the full down payment, and flexible debt-to-income room. Mortgage insurance includes an upfront and an annual premium.

As little as 3% down for qualified first-time buyers, around 620+ credit, and PMI that can be removed once you reach 20% equity.

$0 down for eligible veterans, service members, and some surviving spouses, with no monthly mortgage insurance and a one-time funding fee that can be financed or waived.

Statewide TDHCA and TSAHC programs, plus some local programs, can help with down payment and closing costs. Each has income limits, price limits, and changing funding.

A sixty-second sorter. Three questions, one honest starting point. Not a preapproval — just a compass.

1. Did you (or a spouse) serve in the military?

2. Credit score, roughly?

3. Saved up so far?

Your likely starting point

A rough guide, not a preapproval — the real answer takes one conversation.

Answer all three and your starting point pops up here.

The whole arc, with honest timelines. Yours may run faster or slower — but you’ll always know which step you’re on.

The six I hear most. Ask me the seventh — that’s literally the job.

A bank can only offer its own loans. A broker compares pricing and guidelines from multiple wholesale lenders, so if one lender says no or prices high, there are other options. You still work with one person from preapproval to closing.

Nothing. The planning call, the credit review, the preapproval letter, and every refresh while you shop are free. You only pay costs tied to an actual loan closing — and you see those in writing long before you commit.

Preapproval usually takes 24–48 hours once we have your documents. House-hunting is your pace — weeks or months. Once you’re under contract, most buyers get keys in about a month, depending on the appraisal, underwriting, and the closing date in your contract.

The starter kit: 30 days of paystubs, two years of W-2s, two months of bank statements, and a photo ID. Self-employed buyers swap paystubs for two years of tax returns. We send a checklist and a secure upload link.

FHA works from 580+ at 3.5% down (500–579 is possible with 10% down). Conventional starts around 620. VA has no universal floor, though most lenders want 580–620. Below those? We build a free credit game-plan — typically 60–90 days of targeted fixes.

Yes. Gift funds from family are allowed on every major program — FHA even lets gifts cover 100% of the down payment. We document it correctly with a simple gift letter, and assistance programs can stack on top.

Not the same job — lenders generally want a two-year history in the same line of work. New grads can often count school toward that. Job changes with rising income are usually fine; we just document the story.

Free, unhurried, and useful even if you buy two years from now.

Plain-English mortgage guidance for New Braunfels homebuyers. I’d rather teach you the math than talk you into a payment.

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Mon–Sat · 8a–6p CT

New Braunfels, TX

Collin Jorden, NMLS #2103826, serves homebuyers in New Braunfels, Seguin, San Marcos, Canyon Lake, Schertz, Cibolo, Kyle, Bulverde, and San Antonio, plus all of Comal and Guadalupe counties and the rest of Texas.

· Licensed in Texas

Equal Housing Opportunity.

This is not a commitment to lend. Program details, rates, and payment figures are illustrative, change often, and depend on your full application.

• Start here First-Time Home Buyer Guide Not a loan — the map. Budgets, credit, timelines, what to save and what not to touch, and how the programs below actually compare for someone starting from zero. Read the playbook
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