J. Charles Lending

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Welcome to J. Charles Lending! We are your home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

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Popular San Antonio Home Loans Which loan is right for YOU?

First Time Homebuyers San Antonio

FHA Home Loans San Antonio Texas

FHA home loans are popular among San Antonio first-time homebuyers due to low down payment and credit requirements.

FHA Loans
Conventional Home Loans San Antonio

Conventional Home Loans San Antonio Texas

A conventional(fixed-rate mortgage) is a popular type of home financing in San Antonio because it offers predictability for your budget.

Conventional Loans
Jumbo Mortgages San Antonio

Jumbo Home Loans San Antonio Texas

A jumbo home loan is a mortgage used to finance San Antonio properties that are too expensive for a conventional conforming loan.

Jumbo Loans

Which loan is right for YOU?

VA Home Loan San Antonio

VA Home Loans

VA home loan programs provide home financing to eligible veterans and help veterans purchase properties with no down payment.

Learn More

Conventional Mortgage San Antonio

Conventional Home Loans

A conventional(fixed-rate mortgage) is a popular type of home financing because it offers predictability for your budget.

Learn More

FHA Home Loan San Antonio

FHA Home Loans

FHA home loans are popular among first-time homebuyers due to low down payment and credit requirements.

Learn More

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in San Antonio? Now may be the right time to start saving money every month!

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%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

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$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Instant Home Valuation

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J. Charles Lending

1100 NW Loop 410 Suite 700
San Antonio, Texas 78213
(210) 209-6792
NMLS# 2409480

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