San Marcos mortgage loans
Buying or refinancing in San Marcos? I am Neal Pyles, a Senior Loan Officer with Lone Star Financing serving Hays County and all of Texas. A Texas State college town between Austin and San Antonio. You get wholesale rates from 25+ lenders and plain talk the whole way.
Ways to fund San Marcos.
Conventional
Low down payment options for primary homes in San Marcos with competitive Hays County pricing.
FHA
Flexible credit and 3.5% down. Strong fit for first time San Marcos buyers.
VA
Zero down for eligible Texas veterans and active duty buyers in San Marcos.
Jumbo
Higher balance financing for luxury and new construction San Marcos homes.
Refinance
Lower your rate, pull cash out, or drop mortgage insurance in San Marcos.
Investment / DSCR
Qualify on rental income, not tax returns, for San Marcos investment property.
A San Marcos loan officer, not a call center.
Local pricing knowledge
I know Hays County values, appraisers, and what it takes to win a San Marcos contract.
Direct access to me
You text or call me, not a 1-800 queue. Updates at every step.
25+ lenders shopped
Wholesale rates that often beat the bank down the street in San Marcos.
Common questions.
How much do I need down to buy in San Marcos?
As little as 0% with VA, 3.5% with FHA, and 3% to 5% with conventional. The right answer for San Marcos depends on your credit, price point, and goals. A quick call sorts it out.
What credit score do I need?
FHA can go to 580 and sometimes lower. Conventional usually starts around 620. With 25+ lenders I can place San Marcos scenarios other shops turn away.
How fast can I close in San Marcos?
Many Hays County purchases close in 18 to 25 days when documents come in quickly. Refinances vary. I set a realistic timeline up front.
Let's get you funded in San Marcos.
Apply in minutes or grab 15 minutes on my calendar. No pressure, just answers.
Neal Pyles
Neal Pyles is a Senior Loan Officer (NMLS #1929617) with Lone Star Financing, born and raised in DFW and a UNT grad. He has helped Texas buyers since 2017 across conventional, FHA, VA, jumbo, and investment loans, shopping 25+ wholesale lenders on every file. This San Marcos guide reflects current Texas lending guidelines and local market knowledge.
A quick introduction
Let's find your
way home.
Tell me a little about your plans. I’ll help you understand your loan options and next steps.
npyles@lonestarfinancing.comPrefer to talk? Book a 15 minute call.