This is a market where a first home is still genuinely reachable on a normal income — FHA and low-down conventional do most of the work. We are licensed across Texas and place loans throughout San Marcos and the rest of Hays County.
This is a market where a first home is still genuinely reachable on a normal income — FHA and low-down conventional do most of the work. Schools here fall under San Marcos CISD, and school district is the single largest component of the tax bill — which is why two homes at the same price in San Marcos can carry noticeably different monthly payments.
San Marcos sits in Hays County, where effective rates run roughly 1.9% – 2.4%. Values are set by the Hays Central Appraisal District. We build the escrow from your parcel's actual rate rather than a county average, so the number you see at pre-approval is the number you see at closing.
14 licensed mortgage brokers, one of whom will own your file from application to funding. Start in the Payment Lab with no email required, or tell us what you are trying to do.
All 1 ZIP codes fall under San Marcos CISD. Property tax and escrow are set at the district level, so check your exact parcel before you set a budget.