Business Details
37 Years
experience
Your Trusted Mortgage Broker in San Antonio
Right Start Mortgage, founded in 1989, has established itself as a premier wholesale mortgage lender serving brokers and borrowers nationwide. As a full-service Fannie Mae and Freddie Mac Seller/Servicer and Direct Ginnie Mae Issuer, we specialize in conforming, FHA, and VA residential loan products. Our commitment to exceptional customer service is demonstrated through personalized support and a team of experienced professionals who guide clients through every financial decision. We prioritize technological innovation, offering state-of-the-art mortgage pricing and underwriting tools accessible 24/7 to streamline loan approvals.Our dedication to helping clients achieve homeownership is reflected in our flexible loan programs, including FHA loans with low credit score requirements, VA loans for veterans, and USDA rural housing loans with 100% financing. With Fannie Mae approval since 1996 and a focus on minimizing overlays, we deliver fast closings and competitive rates. Our Home Ready program supports low-down-payment purchases while our high-balance loan options address financing needs above $510,400. This combination of expertise, technology, and client-centric service defines our approach to mortgage lending.
Services
FHA Loans
VA Loans
Conventional Loans
USDA Loans
High Balance Loans
Details
- Year established: 1989
Highlights and features
- We've specialized in mortgage lending since 1989 with Fannie Mae approval since 1996
- Our 24/7 mortgage pricing tools enable instant loan approvals for brokers
- We offer specialized loan programs for veterans and low-credit borrowers
- Our streamlined underwriting process closes loans faster than industry averages
- We provide expert support for high-balance loans exceeding $510,400
Associations and certifications
- Fannie Mae
- Freddie Mac
- Ginnie Mae
Services
FHA Loans
Our FHA loan program offers flexible credit requirements with minimum FICO scores of 580 and manual underwriting options for borrowers without traditional credit histories. We specialize in manufactured home financing and debt ratio calculations using automated underwriting systems. This program supports first-time homebuyers with low down payment requirements while maintaining compliance with federal lending standards.
VA Loans
We provide streamlined VA loan options for eligible veterans with no down payment requirements and simplified documentation processes. Our dedicated team specializes in VA IRRRL refinances that reduce monthly payments through competitive pricing structures. As a certified VA lender, we offer comprehensive guidance through every stage of the loan process to ensure veterans achieve homeownership goals.
Conventional Loans
Our conventional loan program includes Fannie Mae Home Ready options with down payment assistance features and relaxed income limits based on census tract data. We offer competitive pricing with minimal overlays and fast closing timelines for conforming loan amounts. This program supports both purchase and refinance transactions with reduced mortgage insurance requirements for qualified borrowers.
USDA Loans
We specialize in USDA Rural Housing loans that provide 100% financing for eligible properties in designated rural areas. Our streamlined approval process ensures fast closings while maintaining compliance with USDA program requirements. This service addresses housing needs in underserved communities through specialized underwriting guidelines and competitive interest rates.
High Balance Loans
Our high-balance loan program addresses financing needs exceeding $510,400 with tailored underwriting guidelines and competitive rate structures. We provide expedited processing for premium loan amounts while maintaining compliance with federal lending regulations. This service combines personalized support with efficient closing timelines for luxury property transactions.
Questions
What mortgage programs does Right Start Mortgage offer?
We offer FHA, VA, USDA, conventional, and high-balance loan programs with specialized options for first-time homebuyers and veterans.
How can I apply for a mortgage loan?
Start by contacting our loan officers or submitting your information through our online application portal for immediate processing.
Do you offer 24/7 mortgage services?
Yes, our automated underwriting tools and pricing systems operate 24 hours a day, 7 days a week for broker convenience.
What are your minimum credit score requirements?
Our FHA loans require minimum FICO scores of 580 with manual underwriting options available for borrowers without traditional credit histories.
How long does the mortgage process take?
We typically close loans faster than industry averages using streamlined processes, with VA streamline refis closing in as little as 14 days.
Do you service high-balance loan amounts?
Yes, we specialize in high-balance loans exceeding $510,400 with competitive rates and personalized underwriting guidelines.
