San Antonio Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in San Antonio, Texas (License #152318). Bexar County (San Antonio) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Given San Antonio’s affordability, most purchases fall well within that limit.
San Antonio is known as “Military City USA” for its concentration of installations including Joint Base San Antonio. Combined with strong affordability, that makes VA loans exceptionally common here.
Today's San Antonio Mortgage Rates
Live best-execution Texas rates from our lender network — as of July 21, 2026 at 11:15 AM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.101%
FHA 30-Yr Fixed
5.490%
APR 5.602%
VA 30-Yr Fixed
5.625%
APR 5.741%
Jumbo 30-Yr Fixed
6.125%
APR 6.203%
Rates subject to change. See Rate Assumptions.
San Antonio Home Loan Facts
Median Home Price
~$300,000
Curated San Antonio estimate.
2026 Conforming Limit
$832,750
Bexar County baseline reference.
County
Bexar County
Loan limits are set at the county level.
Loan Limits & Market
Bexar County (San Antonio) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Given San Antonio’s affordability, most purchases fall well within that limit.
From downtown and Alamo Heights to Stone Oak and the growing north and west suburbs, San Antonio pairs affordability with one of the largest military populations in the country, driving heavy VA demand.
San Antonio Highlights
- Baseline conforming limit of $832,750 (2026)
- Exceptional VA demand — “Military City USA”
- One of the most affordable major Texas metros
- No down payment or PMI for eligible VA borrowers
Property Taxes in Texas
Texas has no state income tax but relatively high property tax rates. A homestead exemption reduces taxable value on your primary residence and caps annual assessment increases.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Texas
TSAHC Home Sweet Texas
Down payment assistance and a first mortgage for eligible buyers, with a bonus option for veterans.
TDHCA My First Texas Home
Low-rate first mortgage plus down payment and closing-cost assistance for first-time buyers.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in San Antonio, Texas
Your San Antonio loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Texas mortgage license (#152318). See our full licensing & disclosures for details.
Meet Ivan HendrenSan Antonio Mortgage FAQ
Why are VA loans so common in San Antonio?
San Antonio hosts Joint Base San Antonio and has one of the largest military populations in the country, so VA loans are heavily used. Eligible borrowers get no down payment, no PMI, and competitive rates.
What is the conforming loan limit in San Antonio for 2026?
Bexar County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Amounts above that are financed as jumbo loans.
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