San Marcos, TX
Mortgage options for San Marcos buyers, investors, and Texas State-area landlords.
San Marcos sits between Austin and San Antonio along the I-35 corridor: a college town that's grown into one of the fastest-expanding cities in the country. The financing picture reflects that: a strong owner-occupied market, a deep rental-investor segment driven by Texas State University, and growing demand for new construction in the surrounding subdivisions.
We work with first-time buyers in neighborhoods like Stonefield and Hughson Heights, investors building rental portfolios around the Texas State campus, and self-employed buyers whose income doesn't fit a standard W-2 mold.
DSCR loans are particularly relevant in San Marcos because the property's rental income (including student housing) can carry the qualification. That makes them powerful for investors growing past what conventional financing alone would support.
Vanessa Jones Schlomer (NMLS #893657), Branch Manager and Mortgage Loan Originator, operates out of Wimberley, TX and serves buyers across Texas plus California, Colorado, Florida, Georgia, North Carolina, South Carolina, and Tennessee.
Investor financing where qualification is based on the property's rental income covering the debt service, not the borrower's personal income.
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Government-insured mortgages with low down payment options and more flexible credit requirements than conventional loans.
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Mortgages that follow Fannie Mae and Freddie Mac guidelines, with flexible terms for buyers with solid credit and stable income.
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Mortgage benefit for eligible veterans, active-duty service members, and qualifying spouses, often with zero down payment and no monthly mortgage insurance.
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Mortgage program that lets self-employed borrowers qualify using personal or business bank statements instead of tax returns.
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Have a different question? See all mortgage FAQs or get in touch .
First-time homebuyer-friendly mortgage support for Kyle, between Austin and San Marcos along I-35.
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Hill Country mortgage expertise based in Wimberley: horse properties, acreage homes, self-employed borrowers, and vacation properties.
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Mortgage options for New Braunfels: family relocations, retirees, river-country buyers, and Hill Country transplants.
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Dive into the possibilities of homeownership — start with a no-obligation, free mortgage quote and see where your future can take you!
Don't just dream, act now! Apply directly for your loan and make your home aspirations a reality.
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