New Braunfels Mortgage Lender: Home Loans in New Braunfels, TX
Local mortgage guidance for New Braunfels homebuyers and homeowners from John Dunn, a New Braunfels mortgage loan officer with Canopy Mortgage.
Your local New Braunfels mortgage loan officer
John Dunn is based right here in New Braunfels at 111 Maple Terrace, New Braunfels, TX 78132. He helps buyers and homeowners across the city, from neighborhoods near downtown and Gruene to newer communities along the I-35 corridor and out toward Canyon Lake, with purchase loans, refinances and pre-approvals.
New Braunfels sits between San Antonio and Austin, and many buyers here are relocating, moving up or buying their first home. John shops multiple lenders to find the loan that fits your budget and goals, and he explains each step so you know what to expect.
Talk to John
- NMLS #273975 · TX #273975
- 111 Maple Terrace, New Braunfels, TX 78132
- 512-738-2039
- [email protected]
Home loan options in New Braunfels
Every buyer is different. John reviews your income, credit, savings and goals, then compares programs side by side.
Conventional loans
As little as 3% down for qualified buyers and mortgage insurance you can remove later. Learn more
FHA loans
3.5% down with a 580+ credit score and flexible guidelines. Learn more
VA loans
No down payment for eligible veterans with full entitlement and no monthly mortgage insurance. Learn more
USDA loans
No down payment for eligible buyers in eligible rural and suburban areas. Learn more
Property taxes and your payment
Texas has no state income tax, so property taxes make up a bigger share of the monthly payment than in many states. Your tax bill depends on the county, city, school district and any special districts where the home is located, so two homes at the same price can have very different payments.
New Braunfels spans both Comal and Guadalupe counties, so the appraisal district depends on where the home is located. If you live in the home as your primary residence, you can apply for a homestead exemption with your county appraisal district, which can lower your property taxes. John includes estimated taxes and insurance in every quote so you see the full payment, not just principal and interest.
How to buy a home in New Braunfels
- Get pre-approved. Know your price range and make a stronger offer.
- Choose a local agent. Work with a real estate agent who knows New Braunfels neighborhoods.
- Make an offer and lock your rate. John helps you decide when to lock.
- Appraisal, underwriting and closing. John keeps you and your agent updated until you get the keys.
New Braunfels Mortgage Loans FAQ
Do you work with buyers in all parts of New Braunfels?
Yes. John works with buyers and homeowners throughout New Braunfels in both Comal and Guadalupe counties, plus nearby communities like Canyon Lake, Seguin, Schertz and San Marcos.
Can I buy in New Braunfels with a low down payment?
Often, yes. FHA loans allow 3.5% down with a 580 or higher credit score, conventional loans can start at 3% down for qualified buyers, and eligible veterans may buy with no down payment using a VA loan.
Are any New Braunfels areas eligible for USDA loans?
Some areas outside the city center may be eligible for USDA loans. Eligibility depends on the exact address and your household income, so send John the address and he can check it for you.
How are property taxes estimated in New Braunfels?
Taxes depend on the county, city, school district and special districts for the specific home. John estimates them in your quote, and your title company and county appraisal district can confirm the details.
Loan programs are subject to borrower qualification, underwriting approval, credit approval, and program availability. Not all borrowers will qualify.
Buying or refinancing in New Braunfels?
Talk with John about your plans and get a personalized quote with your full estimated payment.
State Licenses
TX #273975
