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Blog•7/27/2026

San Antonio Mortgage Market Sees Surge in VA and FHA Demand

San Antonio mortgage market update: VA and FHA buyer demand on the rise, local experts weigh in on trends and insights

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San Antonio Mortgage Market Sees Surge in VA and FHA Demand

Market Update

San Antonio, TX has seen a significant increase in VA and FHA loan applications, with local loan officers reporting a 25% rise in demand over the past quarter. The surge in demand is attributed to a combination of factors, including low mortgage rates, competitive pricing, and attractive benefits offered by VA and FHA loans.

Mortgage Rate Trends

As of July 2026, the average 30-year fixed mortgage rate in San Antonio is at 4.12%, with VA loans averaging 4.05% and FHA loans averaging 4.15%.

Local Expert Spotlight

Local loan officers attribute the increased demand to the region's strong economy and growing population. Both experts agree that VA and FHA loans offer attractive benefits, including lower down payment requirements and more lenient credit score standards.

Featured Local Experts

Baudilia Montalvo

Andrea Catherine Garcia

Richard Patrick Whitt

Kimberly Erin Luckey

Nicholas Joseph Sclafani