Antonio Lozano
REALTOR® & Mortgage Loan Originator

I'm Antonio, and I provide coordinated real estate and mortgage guidance across Greater San Antonio, Boerne, Bulverde, New Braunfels, and nearby communities. I'm happy to serve you in English or Spanish.

TX Real Estate License #823934
Vortex Realty LLC
NMLS #2142155
NEXA Lending LLC NMLS #1660690
Greater San Antonio area
Boerne | Bulverde | New Braunfels
Bilingual: English & Spanish

Schedule a Call Send a private message Use the secure contact form

Bright kitchen in a Texas home being prepared for sale or lease

For Sellers

Thinking about selling or renting out your home? Request a complimentary property and rental market report with local sales and rental activity, comparable-property data, and market trends. I'll help you review the information and talk through practical next steps for your home.

Request your complimentary market report

For Buyers

Understand your budget, compare loan options, and shop for homes with a financing-aware strategy across San Antonio, Boerne, Bulverde, New Braunfels, and nearby communities.

Start your search

RELO Advantage

Local real estate and loan guidance, all in one place

I serve buyers and sellers across Greater San Antonio, including Boerne, Bulverde, New Braunfels, and nearby communities. Whether you're comparing homes, preparing to sell, or exploring financing, I'll help you make sense of the next step.

You'll get local market perspective, mortgage-aware guidance, and clear communication in English or Spanish.

Start a Conversation

San Antonio skyline and surrounding Greater San Antonio neighborhoods

Dual real estate and mortgage roles require proper disclosures and consent. You are never required to use Antonio for both real estate and mortgage services, and you may choose separate real estate and mortgage providers.

Mortgage Calculator

Start with the question you actually have

Explore how income, debts, home price, down payment, and other assumptions can change an illustrative mortgage scenario.

Educational mortgage scenario tool — not a pre-qualification

This tool uses only the numbers you enter and editable assumptions. It does not review credit, assets, employment, residual income, automated underwriting, loan limits, property eligibility, or program eligibility. Results do not show approval or how much you can borrow.

Based on my income and monthly debt payments, what home price might fit?

Gross Monthly Income iMonthly income before taxes and deductions. The calculator uses this with the DTI assumption to estimate a housing-payment range. Monthly Debt Payments iRecurring monthly debt obligations such as auto loans, minimum credit card payments, student loans, and other debts. This does not include regular living expenses. minimum payments: car, credit cards, student loans Loan Type iSelects the calculator's default assumptions for down payment, DTI, rate placeholder, and mortgage insurance. Other loan types are available, but this calculator uses Conventional, FHA, and VA because they are among the most commonly used. Program eligibility is not determined here. Available Down Payment iCash planned for the down payment. The dollar amount and percent are linked, and this amount reduces the estimated amount financed.

If the house I like costs this much, what would my monthly payment be and what estimated income would fit the DTI assumption?

Home Price iEstimated purchase price of the property. The calculator uses this with down payment, rate, term, taxes, insurance, PMI/MIP, and HOA to estimate payment. Monthly Debt Payments iRecurring monthly debt obligations used with the target DTI assumption to estimate income needed. This is not an underwriting decision. Loan Type iSelects the calculator's default assumptions for down payment, DTI, rate placeholder, and mortgage insurance. Other loan types are available, but this calculator uses Conventional, FHA, and VA because they are among the most commonly used. Program eligibility is not determined here. Down Payment Amount iCash applied toward the purchase price. The calculator links the dollar and percent values and subtracts the amount from the estimated price to calculate amount financed.

If I want my monthly payment to be this much, what would the home price be?

Target Monthly Payment iThe monthly housing payment you want to test. The calculator works backward from this amount using the assumptions entered below. Loan Type iSelects the calculator's default assumptions for down payment, DTI, rate placeholder, and mortgage insurance. Other loan types are available, but this calculator uses Conventional, FHA, and VA because they are among the most commonly used. Program eligibility is not determined here. Down Payment Amount iCash applied toward the purchase price. The calculator links the dollar and percent values and subtracts the amount from the estimated price to calculate amount financed.

Assumptions

Interest Rate Assumption iAn editable planning rate used only for the principal-and-interest calculation. When available, the calculator starts with Freddie Mac's weekly national fixed-rate market benchmark and applies a program adjustment for FHA or VA. It is not a program-specific national average, advertised rate, APR, quote, rate lock, approval, offer, or commitment to lend. Loading the weekly market benchmark… Term iLength of the repayment period used in the payment estimate. A shorter term usually increases monthly principal and interest but may reduce total interest over time. Property Tax iEstimated property taxes. The monthly amount and annual percent are linked; actual taxes can vary by property, exemptions, assessed value, and local tax rates. monthlyyearly % Home Insurance iEstimated monthly homeowners insurance premium. Actual cost depends on property, coverage, deductible, insurer, and underwriting factors. monthly HOA iEstimated homeowners association dues, if applicable. Use the monthly amount for the property or community being considered. monthly PMI / MIP Estimate iEstimated mortgage insurance. Conventional PMI varies with factors such as credit and down payment. FHA MIP varies with term, base loan amount, and loan-to-value ratio and also includes an upfront premium that is not included here. Mortgage insurance generally protects the lender, not the borrower. monthlyyearly % Closing Costs Estimate iEstimated cash-to-close costs separate from down payment. May include lender fees, title/settlement charges, escrow/prepaids, recording fees, and other third-party costs. estimated amount% of price Target DTI iDebt-to-income ratio compares monthly debt payments to gross monthly income. This editable assumption is for estimates only and is not an underwriting maximum or approval standard. % monthly debt-to-income

Conventional assumption

Educational assumptions only. This calculator is not a pre-qualification, preapproval, application, Loan Estimate, or credit decision.

Illustrative Home Price

Principal & Interest $0 Property Taxes $0 Insurance $0 Mortgage Insurance $0 HOA $0

Estimated Monthly Payment $0

Illustrative Gross Income at Selected DTI $0/mo Estimated Amount Financed $0 Down Payment Amount $0 Estimated Closing Costs $0

Simplified Estimated Cash to Close Includes down payment, estimated closing costs, and any selected upfront fee; excludes credits, deposits, and adjustments

This educational calculator is not a pre-qualification, preapproval, application, Loan Estimate, or credit decision. It is not a quote, approval, offer, or commitment to lend. Actual payment, taxes, insurance, PMI, MIP, funding fees, closing costs, APR, rate, and terms may vary. FHA upfront MIP is included only as a 1.75% purchase-loan estimate. A VA funding fee is included only when a VA funding-fee status is selected. Simplified cash to close excludes credits, deposits, and other adjustments. Selecting a loan type only changes educational assumptions and does not determine program eligibility. Calculator use does not create a loan application or a real estate agency relationship.

A simple process. Real results.

Consult

We review your goals, timeline, and financing picture.

Strategize

We align market opportunities with payment and loan options.

Execute

We coordinate offer, contract, loan, and closing details.

Close

Clear communication through closing and beyond.

Let's connect

Have a real estate question, mortgage question, or both in the Greater San Antonio area? English or Spanish is welcome. Send a note and I'll be in touch shortly.

Call or text: 972-740-8248 lozanoloansteam.com

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