Schertz and Cibolo Mortgage Lender: Local Home Loans
Home loans for buyers and homeowners in Schertz, Cibolo and the surrounding communities between New Braunfels and San Antonio.
Home loans in Schertz and Cibolo
Schertz and Cibolo sit along the I-35 and FM 78 corridors between New Braunfels and San Antonio, close to Joint Base San Antonio-Randolph. Many buyers here are military families, commuters and families moving up into newer neighborhoods.
John Dunn, based in nearby New Braunfels, helps Schertz and Cibolo buyers get pre-approved, compare loan programs and close on time. He shops multiple lenders so you can compare your options side by side.
Talk to John
- NMLS #273975 · TX #273975
- 111 Maple Terrace, New Braunfels, TX 78132
- 512-738-2039
- [email protected]
Loan options for Schertz and Cibolo buyers
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
Things to know before you buy
- County lines matter. Schertz spans Guadalupe, Comal and Bexar counties, so property taxes and the appraisal district depend on the address.
- Newer communities may have extra costs. Some neighborhoods have HOA dues or special district taxes, which John includes in your estimated payment.
- Military buyers have options. Being close to JBSA-Randolph, many buyers here qualify for VA loans.
- Some outlying areas may qualify for USDA. Eligibility depends on the exact address and household income.
Schertz & Cibolo Mortgage Loans FAQ
Do you help buyers in both Schertz and Cibolo?
Yes. John works with buyers and homeowners in Schertz, Cibolo and nearby communities, including Universal City, Selma, Converse and Marion.
Can I use a VA loan near JBSA-Randolph?
Yes. Eligible veterans, active-duty service members and some surviving spouses can use VA loans anywhere in Texas, including Schertz and Cibolo.
Why do property taxes vary so much in Schertz and Cibolo?
Taxes depend on the county, city, school district and any special districts for the home. Homes in newer communities can have additional district taxes, so John estimates them for the specific address.
How do I get started?
Call or text John, or apply online. He'll review your goals, credit and budget and help you get pre-approved.
Loan programs are subject to borrower qualification, underwriting approval, credit approval, and program availability. Not all borrowers will qualify.
Buying in Schertz or Cibolo?
Get pre-approved with John and see your full estimated payment before you shop.
State Licenses
TX #273975
