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Quick 2-minute form. No impact on your credit score.
Our platform searches hundreds of trusted lenders for you.
Review personalized offers and select the best one.
We've been in debt. We've been rejected. We built SwipeSolutions because we know how it feels to be treated like a number. You're not.
Our technology analyzes hundreds of lenders to find matches based on YOUR situation - not just your credit score. Better matches. Better rates.
Local lending landscape and Texas regulations
Texas allows payday and title lending with minimal state restrictions, though some cities have local ordinances limiting fees.
San Antonio's lower cost of living (9% below national average) makes it easier to build savings while improving credit. SACU and Randolph-Brooks FCU offer some of the best credit builder products in the area. Avoid the payday loan shops clustered around military bases.
"With a cost of living index of 91 and median income of $52,455, San Antonio residents have more financial breathing room than most major Texas cities - use it to build credit, not debt."
- SwipeSolutions, San Antonio Market Analysis
Common questions from San Antonio residents
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With a population of 1,976,787, San Antonio is one of Texas's largest cities. Our lending network serves all San Antonio zip codes including 78112, 78233, 78259, 78258, 78252, and more.
Look for San Antonio mortgage brokers with strong reviews, multiple lender relationships, and experience with your type of loan. Our network connects you with vetted, licensed professionals who work with dozens of lenders to find you the best rates and terms.
In Texas, minimum credit requirements vary by loan type: FHA loans accept scores as low as 580 (or 500 with 10% down), conventional loans typically require 620+, and VA/USDA loans have their own guidelines. Our brokers can help you find programs that match your credit profile.
Most San Antonio mortgage brokers earn their fee from the lender (typically 1-2% of the loan amount), so there's often no direct cost to you. Some brokers may charge a flat fee. Always ask about fees upfront - our partners are transparent about their compensation.
Mortgage brokers can save you time and money by shopping multiple lenders on your behalf. While banks only offer their own products, brokers have access to dozens of lenders and can often find better rates or terms. This is especially valuable if you have unique circumstances.
The typical mortgage process takes 30-45 days from application to closing. Getting pre-approved takes just a few days. San Antonio homebuyers who have their documents ready and respond quickly to requests often close even faster.
Last Updated: Jan 2026