Home Loan Programs

FHA Loans

Home Loans in McAllen, TX.  We offer FHA loans to clients in the RGV.

Great for RGV first-time home buyers! 

They offer 

  • Lower down-payment options
  • Flexible qualifications 
  • Gift funds can be used for down-payments and closing costs

Conventional Loans

South Texas Loans is happy to offer conventional home loans in McAllen, TX.

Conventional mortgages require borrower to have higher credit scores and a larger downpayment.  

They have the following benefits: 

  • Instant equity 
  • No private mortgage insurance required 

USDA Loans

South Texas loans offers USDA Loans to our McAllen area clients.

USDA loans are specifically for properties located in eligible rural areas. The benefits of the loan are: 

  • No down-payment required
  • Great interest rates 
  • Closing costs may be included in loan (depending on appraised value) 

VA Loans

South Texas Loans honors our veterans for their service by offering VA Loans.

South Texas Loans is pleased to offer active-duty military members and veterans great loan products with many benefits such as: 

  • No down-payment required
  • Lower interest rates 
  • No mortgage insurance required


Are you an RGV home owner interested in refinancing with South Texas Loans.  Call us!

Fantastic program for McAllen area homeowners interested in a lower interest rate or shorter loan term. 

Home for Heroes

South Texas Loans offers home loan program for RGV fire fighters, police officers, and educators.

Are you an RGV educator?  EMS employee?  Fire fighter?  Police officer?  Correctional Officer?  South Texas Home Loans is proud to offer the Homes for Heroes program.