Bank Statement Loans
Qualify using personal or business bank statements instead of tax returns — built for self-employed borrowers whose tax returns don't reflect their real cash flow.
Read MoreMortgage Lender in San Antonio, TX
Entrust Home Lending is licensed to lend across Texas, including San Antonio and Bexar County — a bilingual team, FHA and VA-adjacent financing options for the area's large military community, and DSCR for investors.
Talk to a San Antonio Loan Officer
San Antonio’s economy runs on a mix most Texas cities don’t have in this combination: a major military presence anchored by Joint Base San Antonio, a large healthcare and biosciences sector around the Medical Center, and steady tourism tied to the River Walk and Downtown. That mix produces a wide range of borrower profiles — active-duty and veteran families, healthcare workers, and small business owners tied to the tourism economy.
FHA financing, with its 3.5% down payment and flexible credit-score guidelines, is a strong fit for many military and government-employed buyers, and TSAHC down payment assistance is available statewide for buyers who qualify. San Antonio also has one of the largest Hispanic and Latino populations of any major Texas metro, and Entrust’s entire loan officer team is bilingual — the same real advantage that matters in Houston applies directly here, from pre-qualification through closing.
For buyers whose income comes from a small business tied to the tourism or hospitality sector around Southtown or Downtown, bank statement and non-QM programs can qualify income off actual bank deposits rather than a tax return that understates real cash flow. And in neighborhoods like Alamo Heights and Stone Oak, where property values run higher, DSCR financing gives investors a path to qualify a rental purchase off the property’s own income rather than personal income documentation.
San Antonio also draws a steady number of buyers who file taxes with an ITIN rather than a Social Security number, or who are rebuilding credit after a past setback. ITIN loans and flexible FHA underwriting both exist for those exact situations, and because Entrust underwrites files in-house rather than routing them through an out-of-area call center, a San Antonio borrower can usually get a clear answer on where their file stands within a reasonable timeframe rather than waiting on a distant processing queue.
Communities We Serve Near San Antonio
Downtown / River Walk, Alamo Heights, Stone Oak, Southtown, Medical Center, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
Loan Programs
Financing for San Antonio Buyers and Investors
A sample of what we originate — see the full list of loan programs for everything we offer.
Conventional Loans
Financing not backed by a government agency — usually means fewer overlays, more flexible property types, and no upfront mortgage insurance premium for buyers with stronger credit.
Read MoreDown Payment Assistance
Grant and bond programs that can cover part or all of your down payment and closing costs, often paired with FHA or conventional financing.
Read MoreDSCR Loans
Qualify investment property financing off the property's rental income, not your personal income — no tax returns or employment verification required.
Read MoreFHA Loans
Government-backed financing built for buyers with limited down payment savings or a credit history that doesn't fit a conventional box — including flexible credit-score guidelines and 100% financing programs.
Read MoreITIN Loans
Home financing for borrowers who file taxes with an ITIN rather than a Social Security number.
Read MoreAward-Recognized Loan Officers
NAHREP Top 250
Latino Mortgage Originators
TSAHC Top Performing
Loan Officer
Scotsman Guide
Top FHA Originator
NAHREP Loan Officer
of the Year
How It Works
What Working With Us Looks Like
01
Plan
See what your dream home could look like. Run the numbers yourself with our calculators — no commitment, no credit pull, just a starting point.
Try the Calculators →02
Contact
You've got a rough idea what you can afford — now it's time to connect with a loan officer who can guide you through the next steps.
Meet Our Team →03
Review
A loan officer reviews your file personally and tells you what you qualify for, and what to fix if you don't yet.
04
Process & Underwrite
We handle documentation, appraisal, and underwriting in-house and keep you updated at every step.
05
Close
Clear to close, sign, and get your keys — with milestone updates the whole way.
San Antonio FAQs
Does Entrust Home Lending finance homes in San Antonio?
Yes — Entrust Home Lending's Texas license covers San Antonio and Bexar County, and the entire team is bilingual in English and Spanish, which matters in a market with a large Spanish-speaking population.
What financing works well for San Antonio's military community?
San Antonio is home to Joint Base San Antonio and a large military and civilian-contractor workforce; FHA financing's flexible credit guidelines and low down payment are a common fit for military families and government employees alike.
Can I work with a Spanish-speaking loan officer in San Antonio?
Yes — every loan officer at Entrust Home Lending speaks Spanish and English, so the entire process can happen in whichever language a San Antonio borrower is most comfortable in.
Financing a Home in San Antonio?
Talk to a local loan officer who already knows the market.
