Business Details
15 Years
experience
Your Trusted Mortgage Partner in San Antonio
Founded in 2011, Mortgage of Texas & Financial has established itself as a premier mortgage brokerage firm serving San Antonio and the broader Texas community. With over 25 years of hands-on experience in the mortgage industry, our team has successfully closed over $2.5 billion in first-lien mortgage loans since 1995. Our commitment to exceptional service, competitive rates, and unparalleled expertise stems from a deep-rooted connection to Texas heritage and a passion for helping families achieve homeownership. As a locally owned business, we leverage our generational ties to the regionour family has called San Antonio home since the 1940sto provide tailored solutions that reflect the unique needs of our community.Our founder, a University of Texas at San Antonio graduate with a masters degree in Public Policy, brings a data-driven approach to mortgage banking, ensuring clients benefit from both academic rigor and practical industry knowledge. We pride ourselves on transparency, efficiency, and a relentless work ethic, offering lower fees and faster loan processing times than major banks. Our dedication extends to special programs for military personnel, teachers, and first responders, including waived appraisal fees and streamlined approval processes. With a focus on innovation and client-centric service, we remain committed to upholding the highest standards of professionalism and integrity in every transaction.
Services
Mortgage Loans
Reverse Mortgages
VA Loans
FHA Loans
Conventional Loans
USDA Loans
Refinancing
Pre-Approvals
Home Purchase Loans
Community Hero Programs
Details
- Year established: 2011
Highlights and features
- We offer over 25 years of mortgage industry expertise with a proven track record of $2.5B+ in closed loans.
- Our competitive rates and lower fees consistently outperform major banks and national lenders.
- We provide specialized financing programs for military veterans, teachers, and first responders.
- Our local knowledge spans generations, with family roots in San Antonio since the 1940s.
- We guarantee fast loan processing with an average 15-business-day turnaround.
What people say
Saved us money
Professional expertise
Best mortgage broker
Quick closing
Dedicated service
Services
Mortgage Loans
We provide comprehensive mortgage loan solutions for residential and small commercial properties. Our services include competitive rate comparisons, personalized loan structuring, and streamlined approval processes. With expertise in conventional, FHA, VA, and USDA programs, we help clients secure optimal financing tailored to their financial goals and homeownership needs.
Reverse Mortgages
Our reverse mortgage specialists assist homeowners aged 62+ in converting home equity into tax-free cash. We offer no monthly payment options while maintaining property ownership. Our partnership with AAG ensures compliance with federal regulations and transparent counseling to help clients understand long-term implications and benefits.
VA Loans
We specialize in VA-guaranteed loans for active-duty military, veterans, and eligible spouses. Our services include waived origination fees, appraisal cost coverage, and expedited processing. With deep expertise in VA-specific benefits, we help clients maximize zero-down payment options and favorable interest rates.
FHA Loans
Our FHA loan program offers low down payment options (as low as 3.5%) for first-time homebuyers. We provide detailed credit qualification guidance and assistance with upfront/down payment requirements. Our streamlined process ensures compliance with HUD standards while maintaining competitive pricing.
Community Hero Programs
We offer exclusive benefits for military personnel, teachers, and first responders. This includes waived appraisal fees (up to $500), no origination charges, and priority processing. Our program recognizes service contributions by reducing financial barriers to homeownership through tailored loan structures.
People
Charles Guy Stidham III
President/Owner
A lifelong San Antonian with 25+ years in mortgage banking, Charles holds a masters degree in Public Policy. He has closed $2.5B+ in loans since 1995 and specializes in competitive rate negotiation for Texas homeowners.
Sonia Rodriguez
Senior Mortgage Loan Processor
With 20 years of experience, Sonia specializes in Calyx Point software and processes conventional, FHA, and VA loans. A San Antonio native, she ensures accurate documentation and compliance for complex mortgage transactions.
Esther A. Sloan
Business Operations Manager
Esther manages financial operations and client support. A Texas native with 15+ years in mortgage finance, she oversees licensing compliance and operational efficiency for the San Antonio team.
Questions
What mortgage programs do you offer for military veterans?
We specialize in VA loans with zero down payment options, waived origination fees, and appraisal cost coverage up to $500 for eligible veterans and active-duty personnel.
How quickly can you process a mortgage loan?
Our average loan processing time is 15 business days, with expedited options available for urgent home purchases or refinancing needs.
Do you offer reverse mortgages for seniors?
Yes, we provide FHA-insured reverse mortgages for homeowners aged 62+ with substantial equity, allowing them to convert home equity into tax-free cash.
What documents are required for pre-approval?
We need two years of W-2s, recent pay stubs, two months of bank statements, and a driver's license for initial pre-approval. Additional documents may apply for self-employed applicants.
Are there special benefits for first-time homebuyers?
We offer FHA loans with 3.5% down payments, down payment assistance programs, and educational resources to help first-time buyers navigate the mortgage process.
