{"id":2239,"date":"2024-11-15T21:12:42","date_gmt":"2024-11-15T21:12:42","guid":{"rendered":"https:\/\/lrgrealty.com\/how-to-find-the-best-mortgage-lender-in-san-antonio\/"},"modified":"2026-05-28T14:55:54","modified_gmt":"2026-05-28T14:55:54","slug":"how-to-find-the-best-mortgage-lender-in-san-antonio","status":"publish","type":"post","link":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/","title":{"rendered":"How to Find the Best Mortgage Lender in San Antonio"},"content":{"rendered":"<div class=\"rl-page rl-page-lrg\">\n<div class=\"rl-wrap\">\n<header class=\"rl-hero\">\n<div class=\"rl-eyebrow\">Process \u00b7 Guide<\/div>\n<h1>How To Find The Best Mortgage Lender In Sa<\/h1>\n<p><a class=\"rl-cta-primary\" href=\"\/lrg-blog\/connect-with-lrg\/?ref=how-to-find-the-best-mortgage-lender-in-sa\">Connect with LRG \u2192<\/a><br \/>\n<\/header>\n<nav aria-label=\"Jump to section\" class=\"rl-jump-nav\">\n<a href=\"#how-the-lender-search-process-works\">How the Lender Search Process Works<\/a><br \/>\n<a href=\"#you-rate-shop-everything-else-why-not-your-mortgage\">You Rate-Shop Everything Else \u2014 Why Not Your Mortgage?<\/a><br \/>\n<a href=\"#which-mortgage-lenders-have-the-best-track-record\">Which Mortgage Lenders Have the Best Track Record?<\/a><br \/>\n<a href=\"#how-do-you-know-a-loan-offer-is-right-for-you\">How Do You Know a Loan Offer Is Right for You?<\/a><br \/>\n<a href=\"#faqs\">FAQs<\/a><br \/>\n<\/nav>\n<p>The best mortgage lender in San Antonio depends on your loan type, credit profile, and how much communication you need through closing. The city has over 200 active loan originators, and rates between lenders on the same product can vary by 0.50% or more on any given day. The lowest advertised rate rarely tells the full story once you factor in origination fees, processing speed, and whether a lender actually closes VA or FHA loans on time in Bexar County.<\/p>\n<div class=\"rl-quick-grid\">\n<article class=\"rl-quick-card\">\n<h3>Before You Apply<\/h3>\n<ul>\n<li><strong>Required documents:<\/strong> Most SA banks need three months of payslips, three months of bank statements, and a certified ID copy before they process a home loan application.<\/li>\n<li><strong>Credit score threshold:<\/strong> Banks pull your score from TransUnion or Experian. A score below 600 typically disqualifies you from prime lending rates at all major lenders.<\/li>\n<li><strong>Common blocker:<\/strong> Existing debt kills applications fast. Most banks reject applicants whose total monthly repayments already exceed 30% of gross income <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/home-for-the-holidays-finding-your-perfect-san-antonio-home-before-the-new-year\/\">before the new<\/a> bond.<\/li>\n<li><strong>Worth knowing:<\/strong> A bond originator like MortgageMarket or ooba submits one application to up to seven banks at once, letting you compare rates without triggering separate credit inquiries at each lender.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>What You Need Before Comparing Lenders<\/h3>\n<ul>\n<li><strong>Must have:<\/strong> Valid SA ID, three months of bank statements, latest payslips, and proof of residence. Banks reject incomplete applications outright.<\/li>\n<li><strong>Strong credit score:<\/strong> A score above 670 on TransUnion or Experian qualifies you for prime or below-prime rates, saving tens of thousands over 20 years.<\/li>\n<li><strong>Deposit advantage:<\/strong> A 10% deposit reduces your loan-to-value ratio, which typically earns a lower interest rate and may eliminate bond registration insurance costs.<\/li>\n<li><strong>Bottom line:<\/strong> A 0.5% rate difference on a R1.5 million bond adds roughly R200,000 in total interest over 20 years, so comparing at least three bank offers is non-negotiable.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>From Credit Check to Bond Registration<\/h3>\n<ul>\n<li><strong>Start with affordability:<\/strong> Pull <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/2022-9-17-3-easy-steps-on-how-to-dispute-errors-on-your-credit-report\/\">your credit report<\/a> and calculate your debt-to-income ratio before any applications, since banks cap bond approval at roughly 30% of gross monthly income.<\/li>\n<li><strong>Gather competing offers:<\/strong> Use a bond originator or apply directly to at least three banks, then compare each offer&#8217;s interest rate, initiation fee, and monthly service charge side by side.<\/li>\n<li><strong>Lock in and register:<\/strong> Accept the strongest offer, sign the loan agreement, and allow the transfer attorney to register the bond at the Deeds Office before your offer-to-purchase deadline.<\/li>\n<li><strong>Expect 8 to 12 weeks:<\/strong> Most buyers underestimate registration time. Starting lender comparisons 90 days before your target move-in date prevents last-minute pressure to accept a weaker rate offer.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>Home Loan Fees Beyond the Interest Rate<\/h3>\n<ul>\n<li><strong>Initiation fee:<\/strong> Banks charge up to R6,937.50 (the NCA-regulated cap) as a once-off loan setup cost, typically added to your first few bond repayments.<\/li>\n<li><strong>Bond registration:<\/strong> Conveyancing attorney fees and Deeds Office charges on a R1.5 million bond total roughly R30,000 to R45,000, payable before transfer completes.<\/li>\n<li><strong>Originator savings:<\/strong> Bond originators charge buyers nothing because banks pay their commission, so comparing offers from seven lenders costs you zero out of pocket.<\/li>\n<li><strong>Main takeaway:<\/strong> A bank&#8217;s quoted rate is negotiable. Applicants who present competing offers from multiple lenders routinely secure concessions worth R50,000 to R100,000 over the full loan term.<\/li>\n<\/ul>\n<\/article>\n<\/div>\n<details>\n<summary>Who is the most reputable mortgage lender?<\/summary>\n<p>No single lender holds the title. South Africa&#8217;s major banks each offer competitive home loan rates that vary by applicant profile. The most effective approach is submitting one application to multiple banks through a bond originator, then comparing the interest rates and terms you actually qualify for.<\/p>\n<\/details>\n<details>\n<summary>How do I know which mortgage loan is best for me?<\/summary>\n<p>Submit one application to multiple banks and compare interest rates, fees, and repayment terms side by side. South Africa&#8217;s top seven banks all compete for your business, so the lender offering the lowest effective rate on your specific loan amount and credit profile is your best match.<\/p>\n<\/details>\n<details>\n<summary>How Do You Find the Best Mortgage Lender in SA?<\/summary>\n<p>Submit one application to multiple banks and compare their offers side by side. Services like MortgageMarket send your application to SA&#8217;s top seven banks at once, so you can see which lender offers the lowest interest rate and best terms without shopping each one individually.<\/p>\n<\/details>\n<section class=\"rl-bluf\">\n<h2 id=\"the-bottom-line-up-front\">The Bottom Line Up Front<\/h2>\n<p><strong>Finding the best mortgage lender in South Africa comes down to comparing rate offers from multiple banks simultaneously, not picking one bank and hoping for the best. Most buyers default to their primary bank without shopping around, which costs them tens of thousands of rands over a 20-year bond. The real friction is knowing which criteria matter beyond the headline interest rate.<\/strong><\/p>\n<p>South Africa&#8217;s major banks (Standard Bank, FNB, Absa, Nedbank, Capitec, Investec, SA Home Loans) each price home loans differently based on your deposit size, income profile, and credit score. A 0.25% rate difference on a R1.5 million bond adds up to roughly R75,000 over 20 years. Bond originators like MortgageMarket and ooba submit one application to all major lenders at no cost to you, making multi-bank comparison the baseline strategy. Beyond rate, compare initiation fees, monthly service fees, and flexible repayment terms before signing.<\/p>\n<div class=\"bullet-section-gray\">\n<ul>\n<li>Bond originators submit your application to all major SA banks at no cost to the buyer.<\/li>\n<li>A 0.25% rate gap on a R1.5 million bond costs roughly R75,000 over 20 years.<\/li>\n<li>Compare initiation fees, monthly service charges, and early repayment penalties across all offers.<\/li>\n<li>Your deposit size and credit score determine which bank offers the lowest rate for your profile.<\/li>\n<li>Pre-approval before house hunting gives you negotiating power and a clear budget ceiling.<\/li>\n<\/ul>\n<\/div>\n<\/section>\n<section class=\"rl-section\">\n<h2 id=\"how-the-lender-search-process-works\">How the Lender Search Process Works<\/h2>\n<p>Finding the best mortgage lender in South Africa starts with submitting a single application through a bond originator that sends your details to multiple banks simultaneously. This approach forces lenders to compete for your business instead of you negotiating one bank at a time. The result is better interest rates, lower fees, and faster pre-approval timelines than approaching each institution separately.<\/p>\n<p>South Africa&#8217;s major banks (Standard Bank, FNB, Absa, Nedbank, Capitec, Investec, and SA Home Loans) each use different credit scoring models and risk appetites. A borrower <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/who-qualifies-for-good-neighbor-next-door-program\/\">who qualifies for<\/a> prime minus 0.5% at one bank might get prime minus 1.25% at another. The spread between offers on the same application regularly exceeds R200,000 in total interest over a 20-year bond. That gap is why comparing multiple lenders simultaneously <a href=\"https:\/\/lrgrealty.com\/agents\/\">matters more than<\/a> loyalty to a single institution.<\/p>\n<div class=\"bullet-section-gray\">\n<ul>\n<li>Gather your documents before applying: three months of bank statements, latest payslips, certified ID copy, and proof of residence. Missing paperwork stalls every lender in the pool at once.<\/li>\n<li>Submit through a bond originator like MortgageMarket, ooba, or BetterBond. One application reaches five to seven banks within 48 hours at no cost to you.<\/li>\n<li>Each bank runs its own affordability assessment. Expect different qualifying amounts from each lender based on their internal debt-to-income thresholds and sector risk models.<\/li>\n<li>Compare the full cost, not just the interest rate. Factor in initiation fees (up to R6,037.50 in 2026), monthly service charges, and whether the bank covers bond registration costs.<\/li>\n<li>Negotiate after receiving multiple approvals. Banks routinely match or beat a competitor&#8217;s quoted rate when you show them a written offer at a lower margin.<\/li>\n<\/ul>\n<\/div>\n<p>A buyer purchasing a R1.5 million property who receives rates ranging from prime minus 0.25% to prime minus 1.0% saves roughly R850 per month at the better rate. Over 20 years, that single comparison step keeps more than R200,000 in your pocket. One afternoon of paperwork produces two decades of compounding savings.<\/p>\n<\/section>\n<section class=\"rl-section\">\n<h2 id=\"you-rate-shop-everything-else-why-not-your-mortgage\">You Rate-Shop Everything Else \u2014 Why Not Your Mortgage?<\/h2>\n<p>Most South Africans <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/2022-9-17-top-5-situations-where-you-should-accept-the-first-offer-on-your-home-2\/\">accept the first<\/a> home loan offer their bank sends back without comparing alternatives. That single default costs real money over the life of a 20-year bond. You already know the process: one application goes to all major banks through a bond originator. The question is what happens when those offers come back different, because they almost always do, and the gaps are larger than most buyers expect.<\/p>\n<p>A 0.25% difference in interest rate on a R1.5 million bond over 20 years translates to roughly R60,000 in additional interest paid. Scale that to a R2.5 million purchase and the gap can exceed R100,000. Banks compete for home loan business because these products generate decades of predictable revenue, which means they have room to negotiate. But they only negotiate when they know you have competing offers in hand. Walking into a single branch and accepting whatever rate appears on screen rem<\/p>\n<li>Interest rate spread: Banks currently offer between prime minus 0.25% and prime minus 1.75% depending on <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/how-to-better-your-credit-score-to-receive-low-mortgage-rates\/\">your credit score<\/a>, deposit size, and income stability<\/li>\n<p> offer between prime minus 0.25% and prime minus 1.75% depending on <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/how-to-better-your-credit-score-to-receive-low-mortgage-rates\/\">your credit score<\/a>, deposit size, and income stability<\/li>\n<li>Initiation fee flexibility: The regulated maximum is R6,937.50, but several banks waive or discount this fee when competing against other approved offers you hold<\/li>\n<li>Monthly administration fees: These range from R0 to R69 per month depending on the lender, totalling up to R16,560 over a full 20-year term at the high end<\/li>\n<li>Repayment flexibility: Some lenders allow unlimited penalty-free additional payments, while others restrict prepayment to specific annual windows or charge early settlement fees<\/li>\n<li>Cashback through originators: Bond originators negotiate cashback incentives of up to R5,000 that branch walk-ins do not receive<\/li>\n<li>Approval turnaround: Formal approval timelines range from 48 hours to two full weeks depending on the bank, which directly affects your offer-to-purchase financing clause<\/li>\n<\/ul>\n<\/div>\n<p>Picture a R1.8 million bond with a 10% deposit. Bank A offers prime minus 0.5% and charges full initiation. Bank B offers prime minus 1.0% and waives initiation entirely. Over 20 years, Bank B saves you approximately R145,000 in interest plus the upfront R6,937.50 fee. You would never accept the first quote on car insurance or a vehicle purchase. Your home loan, likely the largest debt you will ever carry, deserves at least the same comparison.<\/p>\n<\/section>\n<section class=\"rl-section\">\n<h2 id=\"which-mortgage-lenders-have-the-best-track-record\">Which Mortgage Lenders Have the Best Track Record?<\/h2>\n<p>Track record varies significantly between South Africa&#8217;s major home loan providers, and the differences show up in approval rates, turnaround times, and rate concessions. Standard Bank, FNB, Absa, Nedbank, Capitec, and SA Home Loans all compete for bond business, but each bank&#8217;s appetite shifts quarterly based on internal risk models and Reserve Bank monetary policy signals. Where each lender stands right now matters more than brand loyalty.<\/p>\n<p>Bond originators like ooba, MortgageMarket, and BetterBond track lender performance across thousands of applications every month. That data reveals patterns individual applicants never see. A bank offering prime minus 0.50% this quarter might tighten to prime minus 0.25% next quarter if its home loan book grows too fast. These positions reflect early 2026 trends, but your originator will have real-time data at the point you apply.<\/p>\n<table>\n<thead>\n<tr>\n<th>Lender<\/th>\n<th>Market Position<\/th>\n<th>Rate Competitiveness<\/th>\n<th>Typical Turnaround<\/th>\n<th>Best For<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Standard Bank<\/td>\n<td>Largest home loan book in SA<\/td>\n<td>Prime to prime minus 0.50%<\/td>\n<td>5-7 business days<\/td>\n<td>High-value properties, existing clients<\/td>\n<\/tr>\n<tr>\n<td>FNB<\/td>\n<td>Aggressive on new acquisitions<\/td>\n<td>Prime minus 0.25% to minus 0.75%<\/td>\n<td>3-5 business days<\/td>\n<td>First-time buyers, lower deposits<\/td>\n<\/tr>\n<tr>\n<td>Absa<\/td>\n<td>Consistent mid-market lender<\/td>\n<td>Prime to prime minus 0.50%<\/td>\n<td>5-7 business days<\/td>\n<td>Salaried professionals, repeat buyers<\/td>\n<\/tr>\n<tr>\n<td>Nedbank<\/td>\n<td>Strong on rate concessions<\/td>\n<td>Prime minus 0.25% to minus 1.00%<\/td>\n<td>5-10 business days<\/td>\n<td>Low LTV applicants with 20%+ deposit<\/td>\n<\/tr>\n<tr>\n<td>Capitec<\/td>\n<td>Newer entrant, growing fast<\/td>\n<td>Prime minus 0.25% to minus 0.75%<\/td>\n<td>3-5 business days<\/td>\n<td>Digitally savvy buyers, quick decisions<\/td>\n<\/tr>\n<tr>\n<td>SA Home Loans<\/td>\n<td>Largest non-bank lender<\/td>\n<td>Prime to prime minus 0.50%<\/td>\n<td>7-10 business days<\/td>\n<td>Affordable housing, self-employed applicants<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>No single lender wins across all categories. A buyer with a 30% deposit and clean credit will likely get Nedbank&#8217;s strongest rate, while a first-time buyer putting 5% down might find FNB or Capitec more willing to approve. That gap between lenders is why seeing every offer side by side through your originator matters. You pick the one that fits your specific deposit, income, and property price.<\/p>\n<\/section>\n<div class=\"rl-cta-mid\"><a class=\"rl-cta-pill\" href=\"\/lrg-blog\/connect-with-lrg\/?ref=how-to-find-the-best-mortgage-lender-in-sa\">Connect with LRG \u2192<\/a><\/div>\n<section class=\"rl-section\">\n<h2 id=\"how-do-you-know-a-loan-offer-is-right-for-you\">How Do You Know a Loan Offer Is Right for You?<\/h2>\n<p>The right loan offer is the one where the total cost over the full repayment term is lowest relative to what you can afford monthly. Interest rate matters, but it is not the only number. You need to weigh the rate against the loan term, monthly instalment, initiation fees, and any conditions the bank attaches to the approval. Two offers at the same rate can cost you very different amounts over 20 years.<\/p>\n<p>Once your bond originator returns multiple pre-approvals, line them up side by side. Banks structure offers differently. One may quote prime minus 0.25% but require a higher deposit. Another may approve at prime minus 0.50% with a shorter fixed-rate window. The monthly instalment difference between a 0.25% rate gap on a R1.5 million bond is roughly R250 per month, which compounds to over R60,000 across the loan term. Small differences in the fine print translate to real rand figures, so read beyond the headline rate.<\/p>\n<div class=\"bullet-section-gray\">\n<ul>\n<li>Compare the total cost of credit, not just the interest rate. South African lenders are required to disclose this figure, and it includes initiation fees, monthly service fees, and interest over the full term.<\/li>\n<li>Check whether the rate is fixed or variable. A fixed rate protects you if the Reserve Bank hikes, but you pay a premium upfront. Variable rates track prime and can shift every time the MPC meets.<\/li>\n<li>Look at the initiation fee. By law it caps at R6,937.50 (2026), but some banks discount or waive it for strong applicants. That saving goes straight off your upfront costs.<\/li>\n<li>Confirm the approved loan-to-value ratio. A 100% bond means no deposit, but it usually comes with a higher rate. If you can put down 10%, you often unlock a better pricing tier.<\/li>\n<li>Ask about early settlement penalties. Most South African home loans allow extra payments without penalty under the National Credit Act, but confirm in writing before you sign.<\/li>\n<li>Review any conditions attached to the approval, such as life insurance requirements or salary account migration. These add ongoing costs that the headline rate does not reflect.<\/li>\n<\/ul>\n<\/div>\n<p>Run each offer through a basic spreadsheet or bond repayment calculator with your actual numbers. Plug in the quoted rate, the term, the fees, and any deposit requirement. The offer that produces the lowest total repayment figure while keeping your monthly instalment below 30% of gross income is typically the strongest choice. If two offers are close, pick the lender with faster turnaround and fewer conditions.<\/p>\n<\/section>\n<section class=\"rl-section\">\n<h2 id=\"what-to-expect-when-comparing-lenders-in-san-antonio\">What to Expect When Comparing Lenders in San Antonio<\/h2>\n<p>Expect the comparison window to last two to four weeks from the day your originator submits to when the final bank responds. Each lender runs its own credit assessment, property valuation, and affordability model, so the same borrower routinely receives materially different terms from different banks. Knowing what each institution evaluates and how quickly it moves helps you negotiate better concessions before you sign.<\/p>\n<p>Once your originator has submitted the applications, response times vary by bank. Standard Bank and Nedbank often return initial offers within five to seven business days. Absa and FNB typically take seven to ten. Capitec, a newer entrant in home loans, varies more widely depending on property type and location. During this period, each lender&#8217;s appointed valuer inspects the property independently, and their valuations can differ by 5% to 15%. That gap directly affects the loan-to-value ratio and the interest rate each bank offers.<\/p>\n<table>\n<thead>\n<tr>\n<th>Lender<\/th>\n<th>Typical Response Time<\/th>\n<th>Rate Flexibility<\/th>\n<th>Standout Feature<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Standard Bank<\/td>\n<td>5-7 business days<\/td>\n<td>Will often match a lower competing rate<\/td>\n<td>Largest mortgage book in SA<\/td>\n<\/tr>\n<tr>\n<td>Absa<\/td>\n<td>7-10 business days<\/td>\n<td>Negotiable when you present competing offers<\/td>\n<td>Pre-approval rate locks up to 90 days<\/td>\n<\/tr>\n<tr>\n<td>FNB<\/td>\n<td>7-10 business days<\/td>\n<td>Competitive for eBucks rewards members<\/td>\n<td>Smart Bond flexi-reserve facility<\/td>\n<\/tr>\n<tr>\n<td>Nedbank<\/td>\n<td>5-8 business days<\/td>\n<td>Flexible for existing banking clients<\/td>\n<td>Green home loan discount on rated properties<\/td>\n<\/tr>\n<tr>\n<td>Capitec<\/td>\n<td>5-14 business days<\/td>\n<td>Newer lender with growing track record<\/td>\n<td>Lower fee structure than Big Four banks<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>A borrower purchasing a R1.5 million property who receives offers from three banks might see rates ranging from prime minus 0.25% to prime minus 1.5%. On a 20-year bond, that 1.25 percentage point spread amounts to roughly R350,000 in additional interest over the full term. The comparison process costs nothing through a bond originator, and every bank sees the same application, so there is no reason to skip it.<\/p>\n<\/section>\n<section class=\"rl-section\">\n<h2 id=\"costly-mistakes-that-drive-up-your-rate\">Costly Mistakes That Drive Up Your Rate<\/h2>\n<p>The costliest rate increases come from borrower errors made before and during the application, not from Reserve Bank hikes. Applying with unresolved credit bureau disputes, taking on new debt mid-process, or skipping the deposit entirely can add 0.5% to 1.5% to your final home loan rate. On a R1.5 million bond over 20 years, that translates to R200,000 or more in additional interest.<\/p>\n<p>South African banks use risk-based pricing where your credit score, loan-to-value ratio, and employment stability all influence the rate. A single negative listing on TransUnion or Experian can shift your offer from prime minus 0.5% to prime plus 1%. That swing has nothing to do with market conditions or lender generosity. <a href=\"https:\/\/lrgrealty.com\/lrg-blog\/2023-6-9-what-is-the-difference-between-short-sales-and-foreclosures\/\">The difference between<\/a> a clean application and a sloppy one is entirely within your control, and it compounds over every month of your repayment term.<\/p>\n<div class=\"bullet-section-gray\">\n<ul>\n<li>Applying before clearing credit bureau disputes. Banks pull your TransUnion and Experian reports on day one. Unresolved defaults or judgments that could have been corrected trigger automatic risk pricing, sometimes adding a full percentage point above prime.<\/li>\n<li>Taking on new credit between pre-approval and registration. New vehicle finance or store accounts change your debt-to-income ratio. Banks reassess at registration, and that furniture account could cost you the rate you were originally approved for.<\/li>\n<li>Offering zero deposit when you could put down 10%. Most SA banks reserve their best rates for applicants with at least a 10% deposit. The gap between zero-deposit and 10%-deposit pricing typically runs 0.25% to 0.75%.<\/li>\n<li>Changing employers during the application process. Banks require three consecutive payslips from the same employer. A job switch mid-application resets the clock and may trigger a higher rate or outright decline.<\/li>\n<li>Submitting incomplete documents that stall the process. Missing bank statements or proof of income force the bank to request updates, pushing your application past rate-lock windows. If prime moves up during the delay, your rate moves with it.<\/li>\n<li>Accepting the first approval without letting your originator negotiate. When multiple banks approve your bond, your originator uses competing offers as leverage to push each bank lower. Accepting immediately forfeits that advantage.<\/li>\n<\/ul>\n<\/div>\n<p>Run the numbers on a R2 million bond at prime minus 0.5% versus prime plus 0.5%. That one percentage point gap adds roughly R380,000 in total interest over 20 years, or about R1,580 per month in higher repayments. Every mistake on this list is fixable before your originator submits to the banks. Fix them early, and the rate offers that come back reflect your actual creditworthiness, not avoidable errors.<\/p>\n<\/section>\n<section class=\"rl-section\">\n<h2 id=\"the-bottom-line\">The Bottom Line<\/h2>\n<p>The best mortgage lender in South Africa is the one whose total cost over your full repayment term is lowest relative to what you can actually afford each month. Interest rate matters, but it is not the only number. Approval rates, turnaround times, and rate concessions vary significantly between Standard Bank, FNB, Absa, and Nedbank. Accepting the first offer your bank sends back without comparing alternatives costs real money over a 20-year bond.<\/p>\n<p>What matters most is using a bond originator to submit one application to multiple banks simultaneously, then giving the process two to four weeks while each lender runs its own credit assessment, property valuation, and affordability check. You rate-shop everything else. Your home loan, the biggest debt you will carry, deserves the same discipline.<\/p>\n<\/section>\n<section class=\"rl-faq\">\n<h2 id=\"frequently-asked-questions\">Frequently Asked Questions<\/h2>\n<details>\n<summary>Can You Get a Home Loan in South Africa Without a Deposit?<\/summary>\n<p>Yes. Several SA banks offer 100% home loans with no deposit required. FNB, ABSA, Standard Bank, and Nedbank all have 100% bond products, though approval depends on your credit score, income stability, and the property&#8217;s loan-to-value ratio. A credit score above 670 significantly improves your chances. That said, putting down even a 10% deposit typically gets you a better interest rate, sometimes 0.5% to 1% below prime. If you can save a deposit, you will pay meaningfully less over the full term of the loan.<\/p>\n<\/details>\n<details>\n<summary>Can You Apply for a Mortgage Entirely Online in South Africa?<\/summary>\n<p>Yes. Most major SA banks now offer full online home loan applications. FNB, ABSA, Standard Bank, and Nedbank all have digital portals. Comparison platforms like MortgageMarket and ooba Home Loans let you submit one application to multiple banks simultaneously, so you can compare offers side by side. You still need to upload supporting documents (payslips, bank statements, ID copy, proof of residence) digitally. Pre-approval typically takes 24 to 48 hours through these platforms. Final approval requires a property valuation, which adds another 5 to 10 business days.<\/p>\n<\/details>\n<details>\n<summary>Are Reddit and Forum Reviews Useful for Choosing a SA Mortgage Lender?<\/summary>\n<p>They can be, with caveats. South African subreddits and forums like MyBroadband often include real borrower experiences with specific banks. Look for posts that mention actual rates offered, turnaround times, and how the bank handled complications. Ignore vague praise or complaints without details. The most useful threads compare multiple bank offers on the same property. Keep in mind that individual outcomes vary based on credit profile and property type. Use forum feedback as one data point alongside your own rate comparisons, not as your sole decision factor.<\/p>\n<\/details>\n<details>\n<summary>Have South African Home Loan Interest Rates Changed Much Since 2022?<\/summary>\n<p>Significantly. The SA Reserve Bank raised the repo rate multiple times between 2022 and 2023, pushing the prime lending rate from 7.75% to 11.75%. As of 2026, rates have started easing but remain well above early 2022 levels. On a R1.5 million bond at prime, that translates to roughly R3,000 to R4,000 more per month compared to 2022. When comparing lenders today, focus on what discount below prime each bank offers you personally. That spread varies by credit score, deposit size, and employment type.<\/p>\n<\/details>\n<details>\n<summary>Can Foreigners Get a Mortgage in South Africa?<\/summary>\n<p>Yes, but the terms differ from resident lending. Non-residents can typically borrow up to 50% of the property value from most SA banks, meaning you need a 50% deposit. You will need a valid passport, proof of income from your home country, a South African bank account, and tax clearance. Transfer duty applies to all buyers regardless of nationality. Foreign nationals from countries with exchange control agreements may face additional Reserve Bank approval steps. Working with a mortgage originator experienced in foreign applications speeds up the process and reduces the chance of avoidable declines.<\/p>\n<\/details>\n<details>\n<summary>What Is the Difference Between a Bond and a Mortgage in South Africa?<\/summary>\n<p>In everyday SA usage, &#8220;bond&#8221; and &#8220;mortgage&#8221; mean the same thing: a home loan secured against property. Technically, the &#8220;mortgage bond&#8221; is the legal document registered at the Deeds Office that pledges your property as security, while the &#8220;home loan&#8221; is the credit agreement with your bank. Both terms are used interchangeably by banks, agents, and attorneys. The registration process involves a bond attorney (appointed by the bank, paid by you) and typically costs between R30,000 and R60,000 depending on the loan amount and property transfer value.<\/p>\n<\/details>\n<details>\n<summary>How Does the MortgageMarket Comparison Tool Work?<\/summary>\n<p>MortgageMarket lets you submit one home loan application to South Africa&#8217;s top seven banks at once. You enter your income, expenses, deposit amount, and property details. The platform forwards your application to all participating banks, and each bank returns an offer or decline based on its own credit criteria. You then compare interest rates, monthly repayments, and terms side by side. The service is free for borrowers because banks pay MortgageMarket a referral fee. MortgageMarket also advertises up to R5,000 cashback on approved loans, which can offset some bond registration costs.<\/p>\n<\/details>\n<details>\n<summary>Which South African Banks Currently Offer the Lowest Home Loan Rates?<\/summary>\n<p>Rates vary by applicant, so no single bank is cheapest for everyone. As a general pattern, FNB and Standard Bank price aggressively for buyers with strong credit and deposits above 10%. Nedbank often competes on rate for high-value properties. ABSA runs periodic promotional rates. SA Home Loans, a non-bank lender, sometimes undercuts the big four but has stricter qualifying criteria. The most reliable way to find your best rate is to apply through an originator like MortgageMarket or ooba, which forces multiple banks to compete for your business on the same application.<\/p>\n<\/details>\n<\/section>\n<footer class=\"rl-resources\">\n<h2 id=\"resources-used\">Resources Used<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.mortgagemarket.co.za\/\" rel=\"noopener noreferrer\" target=\"_blank\">Mortgagemarket.co.za \u2014 MortgageMarket: 1 application to SA&#8217;s top 7 banks gets you the best &#8230;<\/a><\/li>\n<li><a href=\"https:\/\/www.ooba.co.za\/resources\/which-bank-has-lowest-interest-rate-on-home-loans\/\" rel=\"noopener noreferrer\" target=\"_blank\">Ooba.co.za \u2014 Which SA bank has the lowest interest rate on home loans in 2026?<\/a><\/li>\n<li><a href=\"https:\/\/wise.com\/us\/blog\/getting-a-mortgage-in-south-africa\" rel=\"noopener noreferrer\" target=\"_blank\">Ise.com \u2014 South African mortgages and home loans: A foreigner&#8217;s guide &#8211; Wise<\/a><\/li>\n<li><a href=\"https:\/\/www.expatica.com\/za\/housing\/buying\/getting-a-mortgage-in-south-africa-1532664\/\" rel=\"noopener noreferrer\" target=\"_blank\">Expatica.com \u2014 Mortgages in South Africa: home loans and interest rates in 2026<\/a><\/li>\n<li><a href=\"https:\/\/www.sahomeloans.com\/\" rel=\"noopener noreferrer\" target=\"_blank\">Sahomeloans.com \u2014 SA Home Loans: Bond with us<\/a><\/li>\n<li><a href=\"https:\/\/www.statista.com\/statistics\/1330147\/leading-mortgage-lenders-in-south-africa-by-number-of-loans\/?srsltid=AfmBOooULKcvREJrJkN1tidmBqllwsKNCHvXu0S2iW62ESVT2QyUdQ_s\" rel=\"noopener noreferrer\" target=\"_blank\">Statista.com \u2014 Leading mortgage lenders South Africa 2020, by number of loans<\/a><\/li>\n<li><a href=\"https:\/\/www.onlinemortgageadvisor.co.uk\/overseas-mortgages\/mortgages-in-south-africa\/\" rel=\"noopener noreferrer\" target=\"_blank\">Onlinemortgageadvisor.co.uk \u2014 How To Get A Mortgage In South Africa<\/a><\/li>\n<li><a href=\"https:\/\/www.zillow.com\/lender-directory\/\" rel=\"noopener noreferrer\" target=\"_blank\">Zillow.com \u2014 Mortgage Lenders &amp; Reviews &#8211; Zillow<\/a><br \/>\n<\/footer>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Process \u00b7 Guide How To Find The Best Mortgage Lender In Sa Connect with LRG \u2192 How the Lender Search Process Works You Rate-Shop Everything Else \u2014 Why Not Your Mortgage? Which Mortgage Lenders Have the Best Track Record? How Do You Know a Loan Offer Is Right for You? FAQs The best mortgage lender [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2240,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[64,22],"tags":[],"class_list":["post-2239","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lrg-blog","category-mortgage-questions"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Find the Best Mortgage Lender in San Antonio - LRG Realty Blog<\/title>\n<meta name=\"description\" content=\"Compare the best mortgage lender in San Antonio by rates, fees, loan type, and closing speed to choose the right home loan for your needs\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Find the Best Mortgage Lender in San Antonio - LRG Realty Blog\" \/>\n<meta property=\"og:description\" content=\"Compare the best mortgage lender in San Antonio by rates, fees, loan type, and closing speed to choose the right home loan for your needs\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/\" \/>\n<meta property=\"og:site_name\" content=\"LRG Realty Blog\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-15T21:12:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-28T14:55:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2024\/11\/shutterstock_181793482728129.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Levi Rodgers\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Levi Rodgers\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"20 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/how-to-find-the-best-mortgage-lender-in-san-antonio\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/how-to-find-the-best-mortgage-lender-in-san-antonio\\\/\"},\"author\":{\"name\":\"Levi Rodgers\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/#\\\/schema\\\/person\\\/4cf56ff41820927c9b7945c11af62bdd\"},\"headline\":\"How to Find the Best Mortgage Lender in San Antonio\",\"datePublished\":\"2024-11-15T21:12:42+00:00\",\"dateModified\":\"2026-05-28T14:55:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/how-to-find-the-best-mortgage-lender-in-san-antonio\\\/\"},\"wordCount\":4121,\"image\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/how-to-find-the-best-mortgage-lender-in-san-antonio\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lrgrealty.com\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/shutterstock_181793482728129.webp\",\"articleSection\":[\"LRG Blog\",\"Mortgage Questions\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/how-to-find-the-best-mortgage-lender-in-san-antonio\\\/\",\"url\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/how-to-find-the-best-mortgage-lender-in-san-antonio\\\/\",\"name\":\"How to Find the Best Mortgage Lender in San Antonio - LRG Realty Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/how-to-find-the-best-mortgage-lender-in-san-antonio\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/how-to-find-the-best-mortgage-lender-in-san-antonio\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lrgrealty.com\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/shutterstock_181793482728129.webp\",\"datePublished\":\"2024-11-15T21:12:42+00:00\",\"dateModified\":\"2026-05-28T14:55:54+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/#\\\/schema\\\/person\\\/4cf56ff41820927c9b7945c11af62bdd\"},\"description\":\"Compare the best mortgage lender in San Antonio by rates, fees, loan type, and closing speed to choose the right home loan for your needs\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/how-to-find-the-best-mortgage-lender-in-san-antonio\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/how-to-find-the-best-mortgage-lender-in-san-antonio\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/how-to-find-the-best-mortgage-lender-in-san-antonio\\\/#primaryimage\",\"url\":\"https:\\\/\\\/lrgrealty.com\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/shutterstock_181793482728129.webp\",\"contentUrl\":\"https:\\\/\\\/lrgrealty.com\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/shutterstock_181793482728129.webp\",\"width\":600,\"height\":400,\"caption\":\"exc-6737b7cc43b8ff6e6a5510a2\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/how-to-find-the-best-mortgage-lender-in-san-antonio\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Find the Best Mortgage Lender in San Antonio\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/#website\",\"url\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/\",\"name\":\"LRG Realty Blog\",\"description\":\"LRG Realty Blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/#\\\/schema\\\/person\\\/4cf56ff41820927c9b7945c11af62bdd\",\"name\":\"Levi Rodgers\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/bbd74b65fb346f531071ca7aa6e41c129102826206de2fe4fbd316458379111a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/bbd74b65fb346f531071ca7aa6e41c129102826206de2fe4fbd316458379111a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/bbd74b65fb346f531071ca7aa6e41c129102826206de2fe4fbd316458379111a?s=96&d=mm&r=g\",\"caption\":\"Levi Rodgers\"},\"description\":\"Levi Rodgers is the Founder of VA Loan Network, a leading resource for Veteran homebuyer education. A Retired Green Beret and Broker-Owner of LRG Realty in San Antonio, Levi leverages his military discipline and real-world real estate expertise to provide Veterans with expert loan advice, guidance, and trusted financial leadership.\",\"sameAs\":[\"https:\\\/\\\/lrgrealty.com\"],\"url\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/author\\\/lrgrealtyblogs\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to Find the Best Mortgage Lender in San Antonio - LRG Realty Blog","description":"Compare the best mortgage lender in San Antonio by rates, fees, loan type, and closing speed to choose the right home loan for your needs","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/","og_locale":"en_US","og_type":"article","og_title":"How to Find the Best Mortgage Lender in San Antonio - LRG Realty Blog","og_description":"Compare the best mortgage lender in San Antonio by rates, fees, loan type, and closing speed to choose the right home loan for your needs","og_url":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/","og_site_name":"LRG Realty Blog","article_published_time":"2024-11-15T21:12:42+00:00","article_modified_time":"2026-05-28T14:55:54+00:00","og_image":[{"width":600,"height":400,"url":"https:\/\/lrgrealty.com\/wp-content\/uploads\/2024\/11\/shutterstock_181793482728129.webp","type":"image\/webp"}],"author":"Levi Rodgers","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Levi Rodgers","Est. reading time":"20 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/#article","isPartOf":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/"},"author":{"name":"Levi Rodgers","@id":"https:\/\/lrgrealty.com\/lrg-blog\/#\/schema\/person\/4cf56ff41820927c9b7945c11af62bdd"},"headline":"How to Find the Best Mortgage Lender in San Antonio","datePublished":"2024-11-15T21:12:42+00:00","dateModified":"2026-05-28T14:55:54+00:00","mainEntityOfPage":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/"},"wordCount":4121,"image":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/#primaryimage"},"thumbnailUrl":"https:\/\/lrgrealty.com\/wp-content\/uploads\/2024\/11\/shutterstock_181793482728129.webp","articleSection":["LRG Blog","Mortgage Questions"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/","url":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/","name":"How to Find the Best Mortgage Lender in San Antonio - LRG Realty Blog","isPartOf":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/#primaryimage"},"image":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/#primaryimage"},"thumbnailUrl":"https:\/\/lrgrealty.com\/wp-content\/uploads\/2024\/11\/shutterstock_181793482728129.webp","datePublished":"2024-11-15T21:12:42+00:00","dateModified":"2026-05-28T14:55:54+00:00","author":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/#\/schema\/person\/4cf56ff41820927c9b7945c11af62bdd"},"description":"Compare the best mortgage lender in San Antonio by rates, fees, loan type, and closing speed to choose the right home loan for your needs","breadcrumb":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/#primaryimage","url":"https:\/\/lrgrealty.com\/wp-content\/uploads\/2024\/11\/shutterstock_181793482728129.webp","contentUrl":"https:\/\/lrgrealty.com\/wp-content\/uploads\/2024\/11\/shutterstock_181793482728129.webp","width":600,"height":400,"caption":"exc-6737b7cc43b8ff6e6a5510a2"},{"@type":"BreadcrumbList","@id":"https:\/\/lrgrealty.com\/lrg-blog\/how-to-find-the-best-mortgage-lender-in-san-antonio\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/lrgrealty.com\/lrg-blog\/"},{"@type":"ListItem","position":2,"name":"How to Find the Best Mortgage Lender in San Antonio"}]},{"@type":"WebSite","@id":"https:\/\/lrgrealty.com\/lrg-blog\/#website","url":"https:\/\/lrgrealty.com\/lrg-blog\/","name":"LRG Realty Blog","description":"LRG Realty Blog","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/lrgrealty.com\/lrg-blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/lrgrealty.com\/lrg-blog\/#\/schema\/person\/4cf56ff41820927c9b7945c11af62bdd","name":"Levi Rodgers","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/bbd74b65fb346f531071ca7aa6e41c129102826206de2fe4fbd316458379111a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bbd74b65fb346f531071ca7aa6e41c129102826206de2fe4fbd316458379111a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/bbd74b65fb346f531071ca7aa6e41c129102826206de2fe4fbd316458379111a?s=96&d=mm&r=g","caption":"Levi Rodgers"},"description":"Levi Rodgers is the Founder of VA Loan Network, a leading resource for Veteran homebuyer education. A Retired Green Beret and Broker-Owner of LRG Realty in San Antonio, Levi leverages his military discipline and real-world real estate expertise to provide Veterans with expert loan advice, guidance, and trusted financial leadership.","sameAs":["https:\/\/lrgrealty.com"],"url":"https:\/\/lrgrealty.com\/lrg-blog\/author\/lrgrealtyblogs\/"}]}},"_links":{"self":[{"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/posts\/2239","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/comments?post=2239"}],"version-history":[{"count":0,"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/posts\/2239\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/media\/2240"}],"wp:attachment":[{"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/media?parent=2239"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/categories?post=2239"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/tags?post=2239"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}