FHA Loans in Schertz, TX
As little as 3.5% down with flexible credit — built for first-time buyers.
Work directly with Jodie Barber, a mortgage broker with 30 years of experience serving Schertz and all of Guadalupe County.
Schertz at a glance
Premium NE-San Antonio/Randolph suburb (spans Guadalupe/Comal/Bexar), strong schools, new construction. VA + conventional; higher price tier than Converse/Live Oak.
Serving Schertz neighborhoods including The Crossvine, Riata, Carolina Crossing.
Why a FHA loan in Schertz?
First-time and repeat buyers who want a low down payment or have credit that's still on the way up.
- ✦3.5% down with a 580+ credit score
- ✦More flexible credit and debt-to-income guidelines
- ✦Gift funds allowed for the down payment
- ✦Assumable — a real advantage in a higher-rate market
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
FHA Loans FAQ
- What credit score do I need for an FHA loan?
- Generally 580 for 3.5% down (500–579 may qualify with 10% down). FHA is designed to be more forgiving than conventional financing.
- What is FHA mortgage insurance (MIP)?
- FHA loans carry an upfront and an annual mortgage insurance premium. I'll show you the real monthly cost and when refinancing out of it makes sense.
“Homeownership is a partnership.” Let's talk about your FHA loan in Schertz. No pressure — just straight answers from someone who's done this for 30 years.