Serving Stone Oak, TX
Loans We Offer in Stone Oak, TX
CDL Mortgage Services Inc. is an independent mortgage broker serving Stone Oak and all of Bexar County. We shop dozens of wholesale lenders on every file, so you get the program and the pricing that actually fit your situation.
Every Program, One Broker
Loan programs available in Stone Oak.
Every program below is available to buyers and homeowners in Stone Oak, TX. Click any program for requirements, rates guidance, and local details.
Conventional Loans in Stone Oak
As low as 3% down, competitive fixed & adjustable rates
Learn moreFHA Loans in Stone Oak
3.5% down with flexible credit — great for first-time buyers
Learn moreVA Loans in Stone Oak
$0 down and no PMI for veterans & active-duty military
Learn moreHELOC & Home Equity in Stone Oak
Tap your equity without touching your low first-mortgage rate
Learn moreCash-Out Refinance in Stone Oak
Turn home equity into cash — up to 80% of your home’s value
Learn moreReverse Mortgage in Stone Oak
Turn home equity into retirement income — age 62+, or 55+ on a special program
Learn moreGet a free home loan quote in Stone Oak, TX
A licensed loan officer will reach out with your options — no obligation, no credit pull to start.
Prefer to talk? (916) 624-0767
Local Expertise
Mortgage broker serving Stone Oak, TX.
Whether you’re buying your first home in Stone Oak, moving up, purchasing an investment property, or refinancing a loan you already have, CDL Mortgage Services Inc. handles the entire process in-house for clients across Bexar County. Every Stone Oak file is assigned to a licensed loan officer who shops your loan across dozens of wholesale lenders instead of pushing you into a single bank’s product.
That means Stone Oak buyers get real options: Bank Statement Loans, Cash-Out Refinance, Chattel Loans, Commercial Loans, Construction Loans, and more, compared side by side on rate, monthly payment, and closing costs before you commit. We walk you through your Loan Estimate line by line and keep you, your agent, and escrow updated at every milestone.
Ready to see what you qualify for in Stone Oak, TX? Call (916) 624-0767 or request a quote above. CDL Mortgage Services Inc., NMLS #132263, Equal Housing Lender.
Google Reviews
Trusted by Clients in Stone Oak
Eli and his team at CDL mortgage have gone above and beyond for me time after time. I HIGHLY RECOMMEND THEM!
Eli is the man. Best rates and always available to speak. 10/10 would recommend
Left a 5-star rating.
Questions
Stone Oak Mortgage FAQs
What types of home loans are available in Stone Oak, Texas?
CDL Mortgage Services Inc. offers Bank Statement Loans, Cash-Out Refinance, Chattel Loans, Commercial Loans, Construction Loans, Conventional Loans, DSCR Loans, FHA Loans, Fix and Flip / Rehab Loans, Ground Up Construction Loans, HELOC & Home Equity, ITIN Loans, Jumbo Loans, New Construction Loans, Non-QM Loans, Private Money Loans, Refinance, Reverse Mortgage, USDA Loans, VA Loans for buyers and homeowners in Stone Oak, Texas. Because we are an independent mortgage broker, we shop dozens of wholesale lenders on every file instead of being limited to one bank's products.
Do you have a loan officer who works in Stone Oak?
Yes. Stone Oak files are handled by a licensed loan officer who works throughout Bexar County — you get a direct phone number and a real person, not a call center. Call (916) 624-0767 to be matched with the right officer.
How fast can I get pre-approved for a mortgage in Stone Oak?
Most Stone Oak borrowers receive a pre-approval the same day once we have income, asset, and credit documentation. Sellers and listing agents in Stone Oak, Texas take a fully underwritten pre-approval far more seriously than an online estimate.
How much do I need for a down payment in Stone Oak?
It depends on the program: conventional loans start as low as 3% down, FHA at 3.5%, and VA and USDA offer $0 down for eligible Stone Oak buyers. We compare the total monthly cost of each option, not just the down payment.
Can I refinance my Stone Oak home with CDL Mortgage?
Yes — rate-and-term refinancing, cash-out refinancing, and HELOC / second mortgage options are all available in Stone Oak, Texas. We'll show you the break-even point before you commit so a refinance only happens when it actually saves you money.
Is CDL Mortgage Services Inc. licensed in Texas?
Yes. CDL Mortgage Services Inc. is licensed to originate mortgages in Texas under NMLS #132263, and is an Equal Housing Lender.