The Mortgage Guy blog

Straight answers, written down.

The questions I answer every week — in plain English, with the trade-offs included. No rate-bait, no jargon, no pretending it's simpler than it is.

September 14, 2026

How Much House Can I Afford in San Antonio? (2026)

San Antonio affordability with real Bexar County tax rates: $65K of income buys about $215K here, $95K about $310K, $140K about $455K — not what a national calculator says.

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August 12, 2026

Texas Cash-Out Refinance Rules: How 50(a)(6) Actually Works

Texas caps cash-out refinances at 80% of your home's value, caps lender fees at 2%, and makes you wait 12 days to close. Alejandra Glass (NMLS #1008649) explains what Section 50(a)(6) means for San Antonio homeowners.

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