A clearer path through buying, selling, and financing

Q: Can Antonio help with both the home search and financing questions?

Antonio is a Texas real estate license holder and a licensed mortgage loan originator, so he can provide coordinated real estate guidance and mortgage insight with proper disclosures and consent.

Work with Antonio Lozano, a Greater San Antonio real estate professional and licensed mortgage loan originator, for coordinated guidance from search strategy to financing options.

TX Real Estate License #823934
Vortex Realty LLC
NMLS #2142155
NEXA Lending LLC NMLS #1660690
Greater San Antonio area
Boerne | Bulverde | New Braunfels
Se habla español

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

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

For Sellers

Position your home with smart pricing, clear buyer-financing insight, and transaction guidance shaped by the Greater San Antonio market.

Plan your sale

RELO Advantage

Real estate and loan guidance in one coordinated conversation

A RELO brings together real estate strategy and mortgage lending experience. That means you can discuss purchase price, payment comfort, loan structure, timing, and offer strategy before you make a move.

Budget clarity early

Review affordability, down payment options, and loan fit before touring homes or writing an offer.

Stronger offer planning

Align your contract strategy with financing timelines, documentation, and property approval requirements.

More lending options

Through NEXA Lending LLC, Antonio can help review options across multiple lending partners when you apply.

Fewer handoff gaps

One professional understands both the property goal and the financing details, helping reduce surprises.

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.

Greater San Antonio market guidance with mortgage context

Neighborhood knowledge from San Antonio to Boerne, Bulverde, and New Braunfels combines with payment-aware mortgage insight so you can make informed decisions in today's market.

Explore the Local Market

San Antonio skyline and surrounding Greater San Antonio neighborhoods

Service Areas

Real estate guidance across Greater San Antonio

Antonio helps buyers and sellers compare neighborhoods, property goals, and payment comfort across the San Antonio area. Local guidance is available in English or Spanish.

San Antonio

Buyer and seller guidance for neighborhoods throughout San Antonio, with mortgage-aware planning from the start.

Boerne

Hill Country market context for clients comparing lifestyle, commute, budget, and financing options.

Bulverde

Practical real estate and financing insight for buyers and sellers north of San Antonio.

New Braunfels

Local guidance for clients reviewing homes, payments, and offer strategy in the New Braunfels market.

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 iIllustrative annual note-rate assumption used only for the principal-and-interest calculation. It is not an advertised rate, APR, quote, rate lock, approval, offer, or commitment to lend. 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 Down payment + estimated closing costs; 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 and VA funding fees are not included. 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.

Local Questions

Greater San Antonio real estate questions

What areas does Antonio Lozano serve?

Antonio serves buyers and sellers across the Greater San Antonio area, including San Antonio, Boerne, Bulverde, New Braunfels, and nearby communities.

Can Antonio help in Spanish?

Yes. Antonio works with English- and Spanish-speaking clients. Se habla español.

Can Antonio help with the home search and financing questions?

Yes. Antonio is a Texas real estate license holder and licensed mortgage loan originator, so he can provide coordinated real estate guidance and mortgage insight with proper disclosures and consent.

Antonio Lozano

About

Antonio Lozano
REALTOR® & Mortgage Loan Originator

Antonio helps Greater San Antonio clients connect the real estate decision with the loan decision. As a licensed mortgage loan originator with NEXA Lending LLC, he brings financing awareness into the buying and selling conversation.

Proudly serving San Antonio, Boerne, Bulverde, New Braunfels, and nearby communities with clear communication, local market insight, and mortgage guidance in English or Spanish designed to make the next step easier to understand.