San Antonio Home Loans • Serving Texas Homebuyers
Your Path to Home Starts Here.
The Stump Team at Cardinal Financial helps homebuyers across San Antonio and Texas explore mortgage options for buying, refinancing, first-time homeownership, and more.
Not sure where to start? Tell us about your goals and we'll help you explore your options.
Ready to move forward? Complete your secure Cardinal Financial mortgage application.
HOME LOANS & MORTGAGE OPTIONS
What Are You Looking To Do?
Whether you're buying a home, refinancing, or exploring ways to make homeownership more affordable, find the option that matches your goals. The Stump Team helps homebuyers across San Antonio and Texas understand their mortgage options and next steps.
First-Time Buyers
Buying your first home? We'll guide you through every step with clear answers and no surprises.
Down Payment Assistance
Explore our exclusive Cardinal Elite program offering assistance with down payments and closing costs for eligible buyers.
Explore Loan Options
Compare FHA, VA, USDA, conventional, and specialty mortgage options to find the right fit for your goals.
Mortgage Tools
Estimate monthly payments, affordability, refinancing scenarios, and more with our mortgage calculators.
Home Value & Equity
Get an estimate of your home’s value and explore how your equity could support your next move.
Refinance Options
Explore whether refinancing could lower your payment, change your loan term, or help you access equity.
Who We Help
We Help Buyers at Every Stage
Every homebuyer’s situation is different. The Stump Team helps first-time buyers, military families and veterans, move-up buyers, self-employed borrowers, and others across San Antonio and Texas understand their home financing options.
First-Time Homebuyers
Buying your first home can come with a lot of questions. We’ll help you understand financing options, down payment considerations, and what to expect throughout the mortgage process.
Move-Up & Repeat Buyers
Already own a home? We can help you explore financing options for your next purchase and understand how your current home may factor into the process.
Military Families & Veterans
Explore VA home loan options and other mortgage programs available to eligible service members, veterans, and military families
Refinancing Your Home
Looking to lower your payment, access equity, or shorten your loan term? We'll help you explore your options.
Self-Employed Homebuyers
Self-employed income can require additional documentation. We’ll help you understand available mortgage options and what may be needed to qualify.
Down Payment Help Seekers
Concerned about upfront costs? We'll help determine whether down payment or closing cost assistance may be available through programs like Cardinal Elite.
why work with us?
Experience. Guidance. Results.
The Stump Team at Cardinal Financial combines decades of experience in mortgage, real estate, and client service. Led by Producing Branch Manager Jeremy Stump and Loan Originator Christine Frost, our team helps homebuyers and homeowners across San Antonio and Texas navigate home financing with clear guidance, responsive communication, and personalized mortgage options.
THE STUMP TEAM DIFFERENCE
Local experience. Personal service. A simpler mortgage process.
Speed to Mortgage™
Direct Loan Team Access
Talk to real people who know your file — not a call center.
Fast Communication
Quick answers when you need them — no waiting in the dark.
Personalized Mortgage Options
We help you explore mortgage options based on your goals, budget, financial situation, and timeline.
FHA, VA, USDA & Conventional Options
FHA, VA, USDA, Conventional, and specialty programs tailored to your goals.
Local Market Expertise
Local market knowledge backed by years of experience helping homebuyers across San Antonio and surrounding Texas communities.
Speed to Mortgage™
A streamlined mortgage process designed to deliver clear communication, efficient execution, and a smoother path to closing.
A SIMPLE PROCESS
Your Path to Homeownership
From your first conversation through closing day, The Stump Team guides you through each stage of the mortgage and homebuying process with clear communication along the way.
Consultation
Let's Talk About Your Goals
We learn where you are in your homebuying journey, answer your questions, and help you understand your options and next steps.
Pre-Qualification or Pre-Approval
Understand Your Buying Power
Depending on where you are in your home search, we'll help you determine whether a pre-qualification or pre-approval is the right next step.
Home Search
Find the Right Home
Shop with confidence while we stay connected with you and your real estate agent throughout your home search.
Loan Processing & Underwriting
Moving Toward Final Approval
Once you're under contract, we'll help keep your loan moving through processing, underwriting, and the remaining steps toward final approval.
Closing Day
Welcome Home
Review and sign your final documents, complete the closing process, and get the keys to your new home.
Buying in San Antonio or the surrounding area? Explore local considerations including housing costs, property taxes, escrow, insurance, financing options, and helpful property research resources in our San Antonio Homebuyer Guide →
Not sure where to start? Tell us about your goals and we'll help you explore your options.
Ready to move forward? Complete your secure Cardinal Financial mortgage application.
Local Market Expertise
Local Home Loan Expertise Across San Antonio & Texas.
Based in San Antonio, The Stump Team works with homebuyers throughout the region and across Texas. Our experience with local communities, real estate professionals, and home financing options helps us provide informed guidance throughout the homebuying process.
San Antonio
New Braunfels
Boerne
Schertz
Cibolo
Seguin
Converse
Universal City
Live Oak
Proudly serving Bexar, Comal, Guadalupe, Kendall, Wilson, Medina and surrounding counties. Licensed to serve homebuyers throughout Texas and multiple additional states.
Questions, Answered
Frequently Asked Questions
Whether you're buying your first home, your next home, or refinancing, these are some of the questions we hear most often.
What's the difference between pre-qualification and pre-approval?
A pre-qualification is an early estimate based primarily on the financial information you provide, such as your income, employment, debts, and available funds. It can help you understand a general homebuying budget and explore your options.
A pre-approval goes further. You'll provide supporting financial documents, and your information is reviewed more thoroughly, including underwriting. If eligible, you'll receive a pre-approval letter that can help demonstrate to a seller that your financing has already undergone a more detailed review.
Neither requires you to purchase a home or obligates you to close a loan. The Stump Team can help you determine which option makes sense based on where you are in your home search.
How much do I need for a down payment?
The amount you may need for a down payment depends on the loan program, your financial situation, and other eligibility requirements.
Some mortgage programs offer low or even no down payment options for eligible homebuyers. Down payment assistance programs may also be available to help qualified buyers with down payment and closing costs.
The Stump Team can help you compare available options and understand what may work for your homebuying goals.
Will getting pre-qualified hurt my credit?
Not necessarily. Depending on your situation, The Stump Team can help you determine whether a soft credit inquiry makes sense as an early step in exploring your mortgage options.
A soft credit inquiry can provide a general picture of your credit without affecting your credit score. In other situations, it may make more sense to address known credit concerns first before reviewing credit.
We'll talk through your situation, explain the available next steps, and help you understand when a credit review may be appropriate as you move toward pre-qualification or pre-approval.
What credit score do I need to buy a home?
There isn't one credit score required for every home loan. Credit requirements vary depending on the mortgage program, your overall financial profile, and other eligibility factors.
FHA, VA, USDA, conventional, and specialty mortgage programs can have different qualification requirements. Your credit score is also only one part of the overall picture.
The Stump Team can review your situation and help you understand which mortgage options may be available to you.
Can I get help with my down payment or closing costs?
Yes, eligible homebuyers may have access to programs that can help with down payment and closing costs. Available assistance depends on factors such as the program, location, income, property, and borrower eligibility.
The Stump Team works with homebuyers across San Antonio and Texas to explore available down payment assistance programs and home financing options that may help reduce the upfront costs of buying a home.
Because programs and requirements can vary, we'll help you understand what assistance may be available based on your situation.
You're Closer to Home Than You Think.
Whether you're exploring your options, preparing to buy, or ready to apply, The Stump Team is here to help you take the next step with clear, personalized guidance.
Not sure where to start? Tell us about your goals and we'll help you explore your options.
Ready to move forward? Apply securely through Cardinal Financial.
