Buying or refinancing in New Braunfels starts with a mortgage that fits your budget and plans. We compare wholesale lenders and explain your loan options, payment, and closing costs so you can take the next step with confidence.
Work directly with Chad Holte, NMLS #198303, a Certified Mortgage Advisor and Managing Broker of Dylken Home Loans, for straightforward guidance backed by 25+ years of mortgage experience.
Explore purchase and refinance pricing. Adjust your loan amount, down payment, and loan type, then compare rates alongside points and upfront costs.
Rates updated throughout each business day.
No credit check required.
Your first home, a move closer to family, or a place for your own visits starts with a different set of questions. Tell us how you intend to use the home and what is changing in your life.
Making your home here
Whether you are buying your first home or moving from another one, start with a comfortable payment and suitable loan options. If a current home needs to sell, bring that into the plan before relying on its equity or matching closing dates.
Moving from a home you own? Find My Best Strategy →Planning around retirement
Discuss the income you expect to use and when it begins. We can review the financing before you decide how the purchase fits with leaving work or changing your income sources.
Buying a second home
Tell us about personal use and any rental plans early. The way you intend to occupy the property helps determine which financing options apply.
For an eligible primary residence purchase, compare these programs based on your qualifications and plans. Second homes and rental properties have different requirements; FHA and VA financing are generally intended for a qualifying primary residence.
A flexible option for first time and repeat buyers, with down payments as low as 3% for eligible borrowers. Strong credit can help make conventional financing attractive. A down payment below 20% typically requires private mortgage insurance.
Conventional Loans →FHA financing may be a good fit if your credit history makes conventional financing harder to qualify for. Eligible buyers can put as little as 3.5% down. Upfront and ongoing mortgage insurance should be included when comparing the total cost.
FHA Loans →Eligible veterans, service members, and surviving spouses can use their VA benefit to buy a home, often without a down payment and with no monthly mortgage insurance. A VA funding fee may apply unless you qualify for an exemption.
VA Purchase Loans →Financing for buyers who need to borrow more than the local conforming loan limit. Requirements vary by lender, making it especially useful to compare options. Your credit, down payment, and savings remaining after closing help determine which programs may fit.
Jumbo Loans →A change in income can still fit a home purchase
A paycheck is not the only possible source of qualifying income. Eligible Social Security, pension payments, and retirement distributions may support a mortgage, depending on the program and documentation.
If retirement is approaching, share when employment income will end and when other payments begin. We can review the expected income before you commit to a purchase timeline. You do not need to assume that paying cash is your only option.
We will explain the records needed for the options being considered. Discuss withdrawals and their tax implications with your financial or tax adviser.
New Braunfels sits along the I-35 corridor between San Antonio and Austin. Your mortgage planning should reflect the work arrangement you will actually have after the move.
If your job will remain remote, tell us whether that arrangement is permanent. If you are transferring, share any changes to your pay and start date.
Share the start date, compensation details, and any move to contract, business, bonus, or commission income. Discuss the change early so we can review usable income and the records available.
If you plan to commute, test the route at your expected travel times. A location between two cities does not tell you what the daily trip will feel like.
Redfin’s New Braunfels market area · All home types · Three months ending September 2026
Source: Redfin’s New Braunfels housing market report. Reviewed November 5, 2026. These figures describe the source’s market area and reporting period, not the value or selling timeline of an individual home.
New Braunfels’ river setting and access to the Hill Country can be part of the appeal. For the mortgage, start with how you will actually use the property.
A home for your own use during part of the year may qualify for second home financing when the program’s occupancy and property requirements are met. Discuss any rental plans before choosing a loan. Calling the property a vacation home does not establish its mortgage classification.
Explore Conventional Loan Options →If the home will primarily operate as a rental, review investment property financing. Expected rent is not automatically usable qualifying income. We can discuss which documentation and programs may fit, along with the down payment and funds needed.
Explore DSCR Loan Options →Within New Braunfels city limits, short term rental use depends on zoning and permitting requirements. Verify the address with the city and review association restrictions before relying on rental plans. Properties outside city limits may fall under different rules.
Check New Braunfels rental requirements →A home near Gruene, an established neighborhood, and a newly built property can present different details to verify. Use the address and property records to make the comparison useful.
New Braunfels spans Comal and Guadalupe counties. Identify the property’s county, taxing entities, and any applicable district charges. Check the value and exemption assumptions behind a payment estimate, especially when the home is newly built.
Comal property search → Guadalupe property search →Use the address to confirm the district, assigned schools, and applicable school year. Check official New Braunfels ISD or Comal ISD resources rather than relying on a subdivision name or nearby campus.
New Braunfels ISD attendance zones → Comal ISD registration and attendance resources →Review dues, transfer charges, known assessments, and restrictions that could affect your plans. For a condo, tell us early so we can also review the project information needed for financing.
Get insurance information for the actual home. Review flood maps and available disclosures, and ask your insurance professional about coverage and deductibles. Being outside a mapped high risk zone does not mean a property cannot flood.
FEMA Flood Map Service Center →More clarity for your next decision
Different lenders can approach pricing and qualifications differently. We compare suitable options across our wholesale lender network and explain the differences that matter to your purchase or refinance.
See the payment, upfront costs, and relevant loan features before deciding which approach fits your plans.
Bring the written offer into the conversation. We can compare the rate, points, lender charges, and mortgage insurance using consistent loan assumptions where practical.
For a builder offer, include any incentive conditions. If you are already under contract, we will also discuss whether the remaining closing timeline supports changing lenders.
Talk With UsYour home may still be the right fit even when your priorities change. Start with what you want a new mortgage to accomplish, then compare it with keeping the loan you have.
Review the proposed payment, closing costs, remaining term, and total interest. If monthly savings are the goal, estimate how long it takes to recover the costs. Extending repayment can lower the payment while increasing interest paid over time.
Explore Rate and Term RefinanceAn eligible cash out refinance can provide funds through a new mortgage. Compare the net proceeds with the amount needed, and review the payment on the entire new loan balance. Texas property and program requirements apply.
Explore Cash Out RefinanceWeigh the benefit of a new loan against closing costs and the time you expect to keep it. A change in income does not automatically mean you should refinance. If taxes or insurance raised your payment, evaluate those expenses separately; a new mortgage does not remove them.
What real clients are saying
99 Google & Zillow Reviews
Chad did a great job helping navigate through options. The fastest close we’ve ever had.
This is our second time working with CHAD, his service is excellent. His attention to detail and caring for his customer is outstanding.
I’ve been working with Chad for over 15 years on both new purchases and multiple refinances, and in all kinds of market conditions. I confidently refer friends and family to Chad at every opportunity. It’s fantastic to know that you’re always going to end up with extremely competitive rates, and the best possible service from beginning to end. Amazing work Chad and team!
Average Closing Time
Individual loan timelines vary.Five Star Reviews
Years of Mortgage Experience
Chad Holte, Managing BrokerPotentially. Eligible Social Security, pension payments, and retirement distributions can be considered, subject to program requirements and documentation. Tell us what you receive or expect to receive, the start dates, and any planned employment changes. We can explain which records are needed before you rely on a purchase budget.
Your intended occupancy affects the financing. Second home programs have their own requirements for personal use, property characteristics, and eligibility. Share any rental plans with us early. A property primarily operated as a rental may need investment property financing instead.
Do not assume rental use is permitted because the home is in a visitor destination. Within New Braunfels city limits, short term rentals are subject to zoning and permitting requirements. Confirm the property’s jurisdiction, city rules, and association restrictions. Separately, tell your lender the intended use so the mortgage fits the actual plan.
Share whether you will keep your employer, work remotely, transfer, or start a new role. Provide the expected start date and compensation details when available. Changes to business, contract, commission, or bonus income can affect what a lender can use, so discuss them before committing to a closing date.
Yes. Share the written loan offer and any conditions attached to the incentive. Compare loan terms and costs using consistent assumptions. Review purchase contract requirements with your agent or adviser, and check the remaining closing timeline before switching lenders.
Identify whether the home is in Comal or Guadalupe County and review the relevant appraisal district property record for taxing entities and value information. For schools, use official district attendance resources and confirm the address and school year with the district. A ZIP code or neighborhood name alone is not enough.
Consider it when the proposed loan supports a clear goal after accounting for costs and repayment length. Compare the existing and proposed mortgages over the time you expect to keep them. A lower payment alone does not establish that the new loan costs less overall, and keeping your existing mortgage remains an option.
Local guides and answers for buying and owning a home in New Braunfels.
Statewide guides that apply across every Texas market, New Braunfels included.
Your next step
Tell us about the home you want to buy or the mortgage you want to review. We will help you understand your options and what to do next.