San Antonio - Main Office
13526 George Rd.
Suite 208
San Antonio, TX  78230

PH: 210-493-1243
Fax: 210-493-1253

customerservice@synergyhomeloan.com 

 

Synergy Home Loans, LLC offers a variety of loan programs to meet your needs. Finding the right loan product to fit your individual circumstances and needs is just as important as finding the right house. Contact us to obtain pre-approval prior to looking for your house and we can make the process simple and stress free.

The type of residential loans that we provide are:

 
Conventional Loan
FHA
VA
Texas Vet
Jumbo
USDA
Construction Loan
Lot/Land Loan
Investor Loans
Reverse Mortgage Loan
Confused?

Conventional Loan

Conventional Loans are the most common of all loan types since they may provide the least cost financing over the life of the loan. These loans typically require a 20% down payment, but can be obtained with as little as 5% down payment with Mortgage Insurance (MI). Contact us for more information.

 

 Term: Up to 30 Years   Maximum Amount: $417,000


FHA

FHA loans typically require a 3.5% minimum down payment which can be from the applicant, or a gift. Based on your contract the Seller can also assist in paying some of your closing costs. FHA loans are helpful for those applicants that do not have a 20% down payment or choose to retain their cash reserves for other reasons. FHA loan programs typically require you to pay an upfront mortgage insurance premium (UFMIP) and a monthly mortgage insurance premium (MIP) so you will need to factor these premiums into your overall housing budget. Due to their flexibility, minimum down payment required and generous underwriting requirements FHA loans are quickly becoming the product of choice for many home buyers. Contact us for more information.

 

 Term: Up to 30 Years    Maximum Amount: Varies by County


VA

Have you served our Country in the armed forces or a surviving spouse of one? Then a VA loan may be perfect for you. VA loans are approved by VA approved lenders like Synergy Home Loans and are guaranteed by the Department of Veterans Affairs. These loans can reduce your down payment requirement, and in some cases to $Zero. They can also help you get a lower interest rate on your loan. There are certain limits on loan amount and qualifications. If you believe you may qualify for a VA loan, be sure and tell us, so we can explore your options together.

 

 Term: Up to 30 Years     Maximum Amount: $417,000


Texas Vet

In 1983, the Texas Legislature created the VLB Veterans Housing Assistance Program to assist Texas veterans in purchasing a home. Through this program, eligible Texas Veterans have an opportunity to purchase a home with an unbeatable, low-interest loan with little or no money down.The VLB can make a Home Loan for most types of homes, but check to make sure. Synergy Home Loans is an approved Lender through the VLB.  

Disabled veteran?The VLB offers an interest rate reduction to qualifying veterans with disabilities.

Term: 30 years  
 

 A VLB Home Loan may be used to purchase a home that meets these requirements:

  • Must be the veteran’s primary residence
  • Must be located in Texas
  • Must be a single family attached or detached home, town home, or condominium
  • Duplexes or other multi-family units must have been constructed at least five years prior to the closing date of the loan.
  • Manufactured / modular homes may be eligible. 
  • All new construction homes must meet:
    1. The Environmental Protection Agency's (EPA) guidelines for ENERGY STAR® qualified homes, and must be ENERGY STAR® labeled and certified; OR
    2. A HERS Index Score of 75 or less following the RESNET National Home Energy Rating Standards and must have an energy rating Certificate that documents the HERS Index score of 75 or less

Jumbo

Is your financing requirement greater than $417,000? Then a Jumbo loan may be the right product for you. We can review your situation and provide options that could save you money in the long run by combining a Conventional 1st and 2nd lien. Contact us for more information.

 

 Term: Up to 30 Years  Maximum Amount: $3,000,000


USDA

Is your new house on the edge of San Antonio or in a contiguous county? If so your home may qualify for a USDA guaranteed loan. One of the primary benefits of a USDA loan is little to no down payment required. There are certain income limitations to this product so contact us to see if this loan is right for you.   

Term: 30 years  

Construction Loan

Are you getting ready to build the home of your dreams? Then a construction loan may be the right choice for you. Synergy Home Loans works with builders, interim construction financing, and the right permanent financing product for you to make the process as simple and pain free as possible. Synergy will pre-approve you for your permanent loan and package your construction financing needs to provide you a hassle-free process to watch your dreams come true.  Synergy also has available a 1X Construction Loan product. Contact us to discuss your individual situation and needs.

Term: 12 months   Maximum Amount: $1,500,000

Lot/Land Loan

Synergy Home Loans offers lot and land loans at competitive pricing. You may be getting ready to purchase a lot that you plan on building your dream home in the future. We can help. Contact us for more information.

Term: 15 years  

Investor Loans

Whether you are a seasoned real estate investor or stepping into the opportunity for the first time we have loan products to fit most needs. We can provide loans to real estate investors with up to 10 financed properties. Contact us for more information.

Term: 30 years  

Reverse Mortgage Loan
If you are age 62+ you may want to consider a Reverse Mortgage Loan. A Reverse Mortgage Loan can be used to purchase a home, payoff an existing mortgage (required if there is an outstanding mortgage on the property), supplement retirement income, home improvements and repairs, pay property taxes and insurance to name a few. Consult one of our Reverse Mortgage Loan specialists to see if this product could be the right financial tool for you. These materials are not from HUD or FHA and were not approved by HUD or a government agency.
 
Due to the uniqueness of the reverse mortgage product please call us or visit us to learn more.

Confused?

If you are uncertain or confused about the right product, then contact us and we will help you understand and navigate the products and help you choose the right product for your individual needs and circumstances.  




Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $2,500,000 with closing costs of $50,000. Your actual APR may be different depending upon these factors.