What We Do

About Us

Please contact Team Heard to request a complimentary San Antonio Neighborhood Map Booklet.

We simplify the loan process. On average, Team Heard loan officers have more than 15 years of experience in mortgage lending in San Antonio, TX and the surrounding area. Please contact us with any questions you may have. As the cliche goes: "No question is a dumb question" and with a real estate transaction being one of the biggest transactions of your life, this can never be more true. We will show you the differences between loan programs, discuss interest rate options with you, teach you about the appraisal process, help you understand title insurance and the reason for a property survey, and simply put: we will give you knowledge to make an informed decision.

Read more of our frequently asked questions (FAQs).

Contact Team Heard at (210) 988-0372.

Which Loan For You?

Loan Products

Team Heard offers a variety of loan programs to meet your needs such as mortgage loan programs and home construction loans for homeowners in San Antonio and throughout Texas. We work with the leading mortgage lenders in the industry to provide:

  • Purchase

    Team Heard offers fast closings for purchase loans with constant communication to all parties throughout the loan process. We are grateful to serve you.

  • Refinance

    Reasons to refinance: reduce rate and/or loan term, remove mtg. insurance (PMI), receive cash back for debt consolidation and home renovation.

  • FHA

    FHA has gained presence in the mortgage lending environment and has quickly become the loan of choice and necessity.  With interest rates that rival conventional financing rates and a down payment as low as 3.5% FHA has quickly become the “go to” loan program for all types of  borrowers.

  • USDA

    100% financing for properties generally located outside major metropolitan city limits.  Contact us for more details on property and credit qualification details.

  • Conventional

    Offering great rates and fast closings, conventional loans are the most common loan type in the United States for all types of residential property.  Please contact Team Heard to get started.

  • Condominiums

    LoanPeople offers in-house condo underwriting, streamlining the loan process for condo properties new, old, and everything in-between. If you are purchasing a condominium, your loan process will be as efficient as our clients purchasing a house. Team Heard offers financing for warrantable and non-warrantable condos.

  • Non-Warrantable

    Loan options for non-warrantable condominiums with a smooth process for customers, agents, and developers.

  • VA

    You served your country and it is our honor to serve you and your home financing needs.  VA provides you with 100% financing and LoanPeople will provide you with the most competitive VA rates available.  Please contact us for more information.

  • Investment

    While other lenders may limit 4 financed properties per borrower, in contrast, LoanPeople offers a wide array of investment property financing options, including home loans for qualified borrowers with more than 20 financed loans. Purchase and refinance.

  • Jumbo Loans

    Low rates for high loan amounts?  We got ’em.  Please contact us for more information and details regarding Jumbo Loans.

  • Jumbo Investment

    LoanPeople offers financing options for jumbo investment property loans. If your investment property requires higher loan amounts, please contact Team Heard for purchase and refinance loans.

  • Asset Qualifier

    Loan products for customers using assets toward qualifying income calculation. Purchase and refinance loans.

  • Close in LLC

    LoanPeople offers financing options for closing in an LLC. More products, more solutions, close on time. Purchase and refinance.

  • Non-QM

    Non-QM loan products available for out-of-the-box financial situations. Purchase and refinance loans.

  • DSCR

    Debt-Service Coverage Ratio (DSCR) products use rental income for loan qualification. Purchase and refinance.

  • 2nd Liens

    Wide range of options for transactions in need of a second loan balance.

  • Bank Statement

    Loan products for transactions using bank statements to fulfill documentation requirements.

  • ITIN & Foreign National

    Loan products for borrower(s) with ITIN and foreign national residencies.

  • Renovation

    Home loan products for Conventional, FHA, VA and more reno solutions.

  • Down Payment Assistance

    We have local and state government down payment assistance programs that may help you with your down payment and/or closing costs.  Please contact us for more information.

  • HELOC

    Tap home equity for home repairs, debt consolidation & more!