Find Mortgage Lenders in Schertz, TX
Directory of mortgage lenders in Schertz, Texas. Verify credentials with the state state mortgage licensing authority before hiring.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of Texas before hiring.
Showing 17 mortgage lenders in Schertz, TX
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mortgage lenders in Schertz Texas help home buyers and homeowners secure loans for purchasing or refinancing property. Texas law limits cash-out refinancing to 80 percent of the home value and requires a homestead exemption filing. Local lenders understand the Schertz real estate market and can guide you through the Texas-specific closing process.
What Does a Mortgage Lender in Schertz Cost?
Typical mortgage lender costs in Texas include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance which can cost 1,500 to 3,000 dollars. Closing costs in Schertz generally range from 2 to 5 percent of the purchase price. These are general estimates and your actual costs will vary based on loan type, property value, and lender policies. This information is for general informational purposes only and does not constitute mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Schertz Texas?
You typically need pay stubs, tax returns, bank statements, and a government ID. Texas lenders also require a homestead affidavit if you claim the property as your primary residence.
How long does it take to close on a mortgage in Texas?
Most mortgages close in 30 to 45 days. Texas law requires a 3-day right of rescission for refinances, which can add a few days to the timeline.
Are there special mortgage programs for Texas first time home buyers?
Yes. The Texas Department of Housing and Community Affairs offers down payment assistance programs. Some Schertz lenders also offer FHA and VA loans with lower down payment requirements.