First-Time Home Buyer Loans in San Antonio, TX
You can do this — and there's more help than you think.
Work directly with Jodie Barber, a mortgage broker with 30 years of experience serving San Antonio and all of Bexar County.
San Antonio at a glance
'Military City USA' — one of the deepest VA markets in the country (JBSA + huge veteran/retiree population). Affordable (~$260K) and softening (-2.6% YoY) = buyer's market. City of SA HIP DPA stacks with VA/FHA.
Serving San Antonio neighborhoods including Alamo Heights, Stone Oak, Alamo Ranch, Southtown, Government Hill (Fort Sam), Converse/Universal City corridor.
Why a first-time buyer program in San Antonio?
Anyone buying their first home (and many repeat buyers who qualify for the same programs).
- ✦Low- and no-down-payment loan options (FHA, VA, USDA, 3%-down conventional)
- ✦Down payment assistance programs that can cover most or all of your down payment
- ✦A step-by-step plan from pre-approval to keys
- ✦Straight answers, no pressure — 'homeownership is a partnership'
My First Texas Home (MFTH) — up to 5% of loan amount. First-time buyer (or veteran / targeted-area exemption); 620 min FICO; income limits vary by county/household (~$97K for 1-2 person, ~$111,550 for 3+ in most counties, higher in Austin/Dallas); homebuyer education required; stackable with MCC
First-Time Home Buyer Loans FAQ
- How much down payment do I actually need?
- Often far less than people expect — as little as $0 (VA/USDA) or 3–3.5% (conventional/FHA), and down payment assistance can reduce that further.
- What credit score do I need to buy a house?
- There's a program for a wide range of scores. Let's look at where you are today and build a simple plan to get you approved.
“Homeownership is a partnership.” Let's talk about your first-time buyer program in San Antonio. No pressure — just straight answers from someone who's done this for 30 years.