Loan Options

We are mortgage brokers. A mortgage broker acts as a middleman between you and potential lenders. The broker’s job is to work on your behalf with several banks to find mortgage lenders with competitive interest rates that best fit your needs. Mortgage brokers have a well-developed stable of lenders and loan options they work with, which can make your life easier. Mortgage brokers are licensed and regulated financial professionals. They do a lot of the legwork — from gathering documents from you to pulling your credit history and verifying your income and employment — and use the information to apply for loans for you with several lenders in a short time frame. Once you settle on a loan and a lender that works best for you, your mortgage broker will collaborate with the bank’s underwriting department, the closing agent (usually the title company) and your real estate agent to keep the transaction running smoothly through closing day.

Rubiola Mortgage Company offers a variety of loan options to meet your needs. We work with the leading lenders in the industry to provide:

Conventional, FHA, VA, Jumbo, Refinance, USDA, Down Payment Assistance, Private Lending, Reverse Mortgages and more.

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Contact Rubiola Mortgage Company to find out more about the products and services we can provide.

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This website provides 2024 conforming loan limits by county, as well as FHA limits. In 2024, the baseline loan limit for most counties across the U.S. will be $766,550. That’s an increase of $40,350 from the 2023 cap.

More expensive real estate markets, such as New York City and San Francisco, have conforming loan limits as high as $1,149,825, which is 150% of the national baseline. Remote housing markets like Alaska, Hawaii and Guam also fall into this “high-cost” category.

Anything above these maximum amounts would be considered a “jumbo” mortgage and would likely come with stricter qualification criteria.

Loan Limits
Rubiola Mortgage Company
1600 NE Loop 410 Suite 222
San Antonio, Texas 78209
Ph: 210.828.6007
NMLS# 348049