Conventional Loan in San Antonio, TX
Explore conventional loan options, payment estimates, and next steps for buyers in San Antonio, TX. Harris Capital Mortgage Group · NMLS# 1918223.
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- ✓Works for purchase or refinance
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Buying in San Antonio, TX
Texas has no state income tax, which can increase your buying power. Property taxes vary significantly by county, your loan officer will factor in local rates.
Harris Capital Mortgage Group (NMLS# 1918223) is licensed to serve buyers in TX. Our loan officers understand the local market and will guide you through every step of the process.
Estimates are for informational purposes only and are not a loan approval or commitment to lend. Rates and terms subject to credit approval and change without notice.
Conventional Loan, Common Questions
What is the minimum down payment for a conventional loan?
Conventional loans can start as low as 3% down for qualifying first-time buyers. 20% down eliminates the need for private mortgage insurance (PMI).
What credit score is needed for conventional?
Most conventional programs require a minimum score of 620. Better scores typically unlock better rates. Your loan officer will identify the optimal program for your profile.
What is PMI and when does it end?
PMI (private mortgage insurance) is required when your down payment is under 20%. It can be removed once your equity reaches 20% of the original home value.