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5 Best Mortgage Brokers in San Antonio (2026)

Ranked by real Google ratings and review volume · How we chose

Lorian Hartfield
By Lorian Hartfield, Real Estate and Financial Expert · ✓ Updated · 7 min read

We compared 17 mortgage brokers in San Antonio on Google Maps · 5 listed · How we rank

Choosing a lender is one of the few home-buying decisions where the person you work with matters as much as the product. The mortgage brokers in San Antonio on this page hold more than 1,900 Google reviews between them, with ratings from 4.7 to a perfect 5, and the review counts split into two camps: big names with hundreds of reviews and smaller shops each rated 5.0.

Short answer: GFS Home Loans Corporate is the most-reviewed here at 4.8 stars from more than 920 Google reviews, followed by Velocio Mortgage L.L.C. (4.7, more than 680 reviews), a lender with its own in-house underwriting rather than a broker. Mihir Patel, RJ Financial Services Inc and H&M Mortgage Group, LLC each hold a 5.0 on smaller review bases. Rates and fees vary by borrower, so compare written loan estimates.
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Lenders and Brokers Side by Side

# Business Rating Reviews Best for
1 GFS Home Loans Corporate 4.8 ★ 922 Large team and in-house closing View ›
2 Velocio Mortgage L.L.C. 4.7 ★ 688 New-construction buyers View ›
3 Mihir Patel, Mortgage Broker NMLS #1602155 5.0 ★ 121 Refinances and investment loans View ›
4 RJ Financial Services Inc 5.0 ★ 106 First-time buyers View ›
5 H & M Mortgage Group, LLC 5.0 ★ 94 Hand-holding through the process View ›
5 Best Mortgage Brokers in San Antonio (2026)

The mortgage professionals, reviewed

GFS Home Loans Corporate logo
#1 Overall🕑 Open 5 days/wk↩ Responds to reviews

GFS Home Loans Corporate

4.8922 Google reviews

GFS Home Loans Corporate is the corporate office on North Loop 1604 West, and Google lists it as a mortgage broker and lender. Its site describes purchase and refinance loans, a loan officer and branch locator, and an in-house closing process, and says the company was established by Mike Goldman. Reviewers describe loan officers who explain each step of a purchase, including one transaction involving a tribal entity.

What people praise

  • Reviewers describe loan officers who explain each step and answer repeated questions patiently
  • One reviewer credits a loan officer with keeping a closing on track on the day
  • A customer with a more complex loan involving a tribal entity says the team stayed in close contact at crucial points
  • The deepest review base on the page

Worth knowing

  • Open weekdays only
  • As a large team, your experience depends on which loan officer you are assigned
Reputation scorecardrank in San Antonio
Rating4.8 / 5
Review volume922 · 97th
Confidencevery high
Recency5 months ago
Info completenesssite · phone · hours
Rating breakdown95% 5-star
✓ VerifiedSource: Google

Our take: The safe volume pick, with a long review history and a team that reviewers describe as patient. The 4.8 sits below the 5.0 shops, but on far more reviews.

Website+1210-366-1070 Directions

2822 N Loop 1604 W Ste. 101, San Antonio, TX 78248

Velocio Mortgage L.L.C. logo
#2🕑 Open 5 days/wk

Velocio Mortgage L.L.C.

4.7688 Google reviews

Velocio Mortgage L.L.C. is a mortgage lender on North Loop 1604 West, not a broker in the strict sense. Its site calls it a full-service mortgage lender with in-house processing, underwriting, closing and funding. Several reviewers describe buying new Ashton Woods homes and working with a Velocio loan officer.

What people praise

  • Reviewers praise a loan officer for quick calls, emails and clear answers
  • New-home buyers describe a simple process and several loan options
  • A first-time buyer calls the communication great
  • One customer singles out a processor as helpful throughout

Worth knowing

  • Experiences are mixed: some reviewers describe inconsistent communication with underwriting and delays on files that needed a manual review
  • The 4.7 rating is the lowest on this page
Reputation scorecardrank in San Antonio
Rating4.7 / 5
Review volume688 · 91st
Confidencehigh
Recency8 weeks ago
Info completenesssite · phone · hours
Rating breakdown88% 5-star
✓ VerifiedSource: Google

Our take: A builder-linked lender with the lowest rating here, so it suits buyers already working with its builder partner. Ask for the rate and any change in writing.

Website+1210-971-6105 Directions

3239 N Loop 1604 W Ste 201, San Antonio, TX 78257

Mihir Patel, Mortgage Broker NMLS #1602155 logo
#3🕑 Open 7 days↩ Responds to reviews

Mihir Patel, Mortgage Broker NMLS #1602155

5.0121 Google reviews

Mihir Patel, Mortgage Broker NMLS #1602155 is an individual loan officer with an office on Northwest Military Highway in San Antonio, listed by Google as a mortgage broker and lender. His site offers a mortgage calculator, an online application and free consultations for first-time buyers, existing homeowners and refinances. Reviewers describe a refinance involving attorneys and a transfer of ownership, a home purchase and an investment property loan.

What people praise

  • Reviewers describe an online process that was simple and convenient
  • One reviewer says the loan went from application to closing in nine business days
  • A refinance customer with a complicated transaction credits patience and communication
  • An investment property buyer says he was responsive and helpful

Worth knowing

  • A single loan officer with a small team, so ask who covers when he is unavailable
  • The listed phone number has a 561 area code, so confirm how to reach him locally
Reputation scorecardrank in San Antonio
Rating5 / 5
Review volume121 · 85th
Confidencemoderate
Recency5 weeks ago
Info completenesssite · phone · hours
Rating breakdown99% 5-star
✓ VerifiedSource: Google

Our take: A strong 5.0 on more than 120 reviews across purchase, refinance and investor loans.

Website Book now+1561-212-0219 Directions

2008 NW Military Hwy Ste 1A, San Antonio, TX 78213

RJ Financial Services Inc logo
#4🕑 Open 5 days/wk↩ Responds to reviews

RJ Financial Services Inc

5.0106 Google reviews

RJ Financial Services Inc is a mortgage broker on Northeast Loop 410 in San Antonio. Its site lists purchase and refinance loans from VA to USDA, a free credit consultation and down payment help, and shows weekday hours with weekends by appointment. Reviewers describe first-time buyers and a credit plan for a future purchase.

What people praise

  • Reviewers describe being kept informed and having fears calmed
  • A buyer says the team gave them a credit plan to reach their goal of buying a first home
  • A realtor reviewer calls the team highly responsive
  • Several reviews name the same loan officers across different buyers

Worth knowing

  • Written reviews skew toward first-time and family purchases, with less detail on refinances
  • A smaller review base than the busiest names
Reputation scorecardrank in San Antonio
Rating5 / 5
Review volume106 · 79th
Confidencemoderate
Recency2 months ago
Info completenesssite · phone · hours
Rating breakdown98% 5-star
✓ VerifiedSource: Google

Our take: A 5.0 rating and a clear first-time-buyer following.

Website+1210-723-7836 Directions

84 NE Interstate 410 Loop Ste 2119, San Antonio, TX 78216

H
#5🕑 Open 5 days/wk↩ Responds to reviews

H & M Mortgage Group, LLC

5.094 Google reviews

H&M Mortgage Group, LLC is a mortgage broker on North New Braunfels Avenue in San Antonio. Its site describes home loans for every borrower and a no-obligation request form. Reviewers describe loan officers who explain options in person or by video and stay in touch through closing.

What people praise

  • Reviewers describe a loan officer who sits down with buyers and explains the options before they apply
  • One buyer says their loan closed in 30 days
  • A reviewer says the loan officer attended a closing
  • A buyer who had been through a bankruptcy credits the team with working through the paperwork

Worth knowing

  • The smallest review base on the page
  • Open weekdays only
Reputation scorecardrank in San Antonio
Rating5 / 5
Review volume94 · 74th
Confidencemoderate
Recency4 months ago
Info completenesssite · phone · hours
Rating breakdown100% 5-star
✓ VerifiedSource: Google

Our take: Every one of its Google ratings is five stars, but on the fewest reviews here. Reviewers value the education and communication.

Website+1210-942-7683 Directions

8610 N New Braunfels Ave Ste 706, San Antonio, TX 78217

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How the scores work

The scorecards use public Google data on the date shown. Rating is the live Google star average. Review volume is how many customers have rated the business, compared with other San Antonio mortgage professionals. Confidence weighs the rating by that volume, so a 4.8 from hundreds of people counts for more than a 5.0 from a few dozen. Recency reflects how recently customers are still reviewing. A review is a customer’s experience, not a guarantee of how your loan will turn out.

What shapes mortgage costs in San Antonio

Interest rates and fees depend on your credit, your down payment, the loan type and the property, and they change often, so we aren’t printing any figures. Ask each lender or broker for a written loan estimate on the same day and compare the rate, the lender fees and the closing costs side by side.

Mortgage offices around San Antonio

These offices are on North Loop 1604 West, Northwest Military Highway, Northeast Loop 410 and North New Braunfels Avenue. Searching for a mortgage broker near me? Each listing shows a phone number and directions, and several of these professionals work with buyers online or by video.

What to ask before you apply

  • Are you a broker who shops several lenders, or a lender who funds the loan yourself?
  • Can I get a written loan estimate to compare with other quotes?
  • What will you need from me, and when?
  • Who is my day-to-day contact, and who covers if they’re away?
  • What is your NMLS number so I can look you up?

Frequently asked questions

What is the difference between a mortgage broker and a lender in San Antonio?

A broker arranges your loan through lenders, while a lender funds and services it. On this page, Velocio Mortgage describes itself as a full-service lender with in-house underwriting and funding, while Google lists RJ Financial Services and H&M Mortgage Group as mortgage brokers. Ask any company which role it plays on your loan.

How can I check a mortgage professional’s license?

Look up the NMLS number. Mihir Patel includes his NMLS number in his business name, and RJ Financial Services shows company and loan officer NMLS numbers on its site. Ask any lender for the number and verify it independently.

Do San Antonio mortgage brokers work with first-time buyers?

Reviewers at several describe first-time purchases. RJ Financial Services reviewers mention first homes and a credit plan, and a Velocio reviewer calls the process simple for a first-time buyer. Assistance programs and eligibility vary, so ask what applies to your situation.

How long does a mortgage take to close in San Antonio?

It varies by loan and borrower. One Mihir Patel reviewer reports nine business days from application to closing and one H&M Mortgage Group reviewer reports 30 days, but those are individual experiences. Ask your lender for a timeline in writing.

Where to start

GFS Home Loans Corporate is the safe default on volume, and Velocio Mortgage is worth a look for new-construction buyers. If you’d rather work with a smaller team, Mihir Patel, RJ Financial Services and H&M Mortgage Group all hold 5.0 ratings. Get two or three written loan estimates before you commit.

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