Business Details
33 Years
experience
Your Trusted Mortgage Partner in San Marcos, TX
Founded in 1993 by the Tucker family, our company has operated as a small family-owned mortgage business for over 30 years. We prioritize personalized service and maintain multiple lending relationships to offer customized loan options tailored to client needs. As mortgage brokers, we leverage extensive industry connections to secure competitive rates and favorable terms. Our team combines decades of experience with a commitment to transparency, ensuring clients receive clear guidance throughout the mortgage process. With a focus on building lasting relationships, we approach each transaction with the same dedication to excellence that has defined our business since its inception. Services
Home Loans
Refinancing
Mortgage Loans
Pre-Qualification
USDA Loans
VA Loans
FHA Loans
Conventional Loans
Loan Processing
Mortgage Brokerage
Details
- Year established: 1993
Highlights and features
- 31 years of mortgage lending experience since 1993
- Family-owned business with personalized service approach
- Access to multiple lending relationships for customized options
- Tailored mortgage programs with competitive interest rates
- Three-generation legacy of mortgage industry expertise
Services
Home Loans
We offer comprehensive home loan solutions tailored to individual needs. Our mortgage programs include Conventional, FHA, VA, and USDA options for Texas properties. With access to multiple lenders, we help clients secure competitive rates and favorable terms for primary residences, investment properties, and rural housing.
Refinancing
Our refinancing services help homeowners lower monthly payments, reduce interest rates, or access equity through cash-out refinances. We provide customized mortgage programs that consider each client's financial situation, property type, and long-term goals while maintaining competitive pricing and personalized guidance.
Pre-Qualification
We offer free, no-obligation pre-qualification services to help homebuyers understand their budget. This process includes credit checks, income verification, and loan estimate calculations to provide accurate payment projections and strengthen purchase offers with qualified buyers' letters.
Mortgage Brokerage
As independent mortgage brokers, we shop multiple lenders to find optimal loan programs. Our brokerage services include rate comparisons, term evaluations, and customized financing solutions that match client profiles with available lending products while maintaining transparent fee structures and closing cost estimates.
USDA Loans
We specialize in USDA loans for eligible rural properties in Texas. Our experts guide clients through the unique requirements of these zero-down payment mortgages, including property eligibility verification, income qualification, and streamlined processing for qualified applicants seeking affordable rural homeownership opportunities.
People
Gary Tucker
Senior Loan Officer
Founder of Acceptance Home Mortgage with over 50 years of mortgage lending experience. Gary established the family business in 1993 and continues to provide expert guidance to clients while maintaining industry relationships that benefit loan programs.
Thomas Tucker
CEO & President
Second-generation leader with 28 years of mortgage experience. Thomas graduated from Texas A&M with a finance degree in 1995 and has managed daily operations since joining the family business in 1996, ensuring continued personalized service and business growth.
Questions
What mortgage loan types do you offer?
We offer Conventional, FHA, VA, and USDA loan programs for Texas properties. Our mortgage options accommodate first-time buyers, experienced homeowners, and those seeking rural housing solutions through specialized financing programs.
How long does the mortgage process take?
Our streamlined five-step process typically takes 30-45 days from pre-qualification to closing. The timeline depends on document submission speed, appraisal scheduling, and title work completion for each specific transaction.
Are you a local Texas mortgage company?
Yes, we're a family-owned Texas business operating since 1993 with our main office in San Marcos. While we serve the entire state, we maintain local expertise and personalized service for Texas properties.
Do you offer refinancing options?
We provide multiple refinancing solutions including rate/term refinances to lower payments and cash-out refinances to access home equity. Our team helps determine the best refinancing strategy based on individual financial goals.
How can I start the mortgage process?
Begin with our free online pre-qualification at ahmc.com. Complete the application form to receive a loan estimate, or contact our San Marcos office directly at 512-395-8800 for personalized assistance from our mortgage professionals.
