Home Loans
From the lot to the loan to the living room — local lenders, competitive rates, and decisions made right here in the Hill Country.
From the Lot to the Loan to the Living Room
Our team of local lenders is here to guide you through the home-buying process. They're experienced across every type of mortgage and can help you find the loan that fits, then make local decisions to get you into your home as quickly as possible.
We'll offer no transactions — we prefer relationships. That means we'll take the time to understand what you need and make sure you're getting the right loan for the first time.
Conventional Loans
Steady Payments. Simple Budgeting.
Conventional loans have a fixed rate and a monthly payment for the entire life of the loan. It's easy to budget for because your payment will always be the same — no surprises, no adjustments, ever.
Adjustable-Rate Loans
Lower Starting Payments, Built-In Flexibility
An adjustable-rate loan is an alternative to a conventional loan. If you'll be moving in a few years, or if you think interest rates will be going down, an adjustable-rate loan can make sense — lower payments now, with the flexibility to adjust later.
FHA Loans
A Strong Path to Homeownership
FHA loans offer lower interest rates, require a relatively small down payment, and are insured through the Federal Housing Administration — making them one of the most accessible ways into a home of your own.
VA Loans
For Those Who Served. You've Earned This.
VA loans are backed by the Department of Veterans Affairs and provide real benefits to current service members, veterans, and eligible surviving spouses — including very low interest rates, no down payment, and no private mortgage insurance required.
Why Guadalupe Bank
Decisions Made Right Here, By People Who Live Here
We don't route your home loan to an underwriting team in another state. Your lender is local, knows the Hill Country market, and can give you answers fast.
- Local lenders who know the Hill Country
- Competitive rates and real guidance at every step
- Decisions made locally for a faster process
Ready to Take the Next Step?
Call us, stop by, or come see us. We'll help you figure out which loan fits your plans and what comes next.