Kaelan and Karey Cheatham help families across San Antonio, New Braunfels, and all of Texas buy, build, and refinance, with clear answers and fast communication at every step.
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You want to know what you can actually afford — not the maximum a computer will approve you for.
You've been told "no" before — self-employed, commission income, investment property — and you suspect there's a program nobody bothered to look for.
You want zero surprises at the closing table — the same numbers on day 40 that you saw on day one.
Hover or tap a card to see how we help.
Plain-English guidance from pre-approval to keys.
We walk you through budget, down payment options, and every document before you shop. You'll know your numbers before you make an offer.
Programs that look at your deposits, not just your tax returns.
If your write-offs make your tax returns look smaller than your business really is, a bank statement loan may let you qualify using 12 or 24 months of deposits.
Moving to Texas or relocating within the state? We keep your timeline moving so the mortgage doesn't slow down your move.
We can get you pre-approved before you arrive and coordinate with your agent remotely, so you're ready to write an offer when you find the right home.
Qualify for rental properties based on the property's cash flow.
DSCR loans look at whether the rent covers the payment instead of relying on your personal income, for 1–4 unit investment properties.
No mystery, no runaround. Here's exactly what working with our team looks like.
We start with a no-pressure conversation about your goals, your budget, and the monthly payment you'd actually feel good about.
We review your income, assets, and credit up front, so you shop with a strong pre-approval letter and real numbers behind it.
Once you're under contract, we walk you through rate and cost options together and lock in the one that fits your plan.
We keep your agent, title, and you updated all the way to the closing table. Then it's time to grab your keys.
We'll compare your options side by side and help you choose with confidence.
Buying your first home or your next one, we'll find the program that fits your budget and goals.
Learn more →Lower your payment, change your term, or tap your home's equity with a cash-out refinance.
Learn more →The most popular option: one steady principal-and-interest payment for the life of the loan.
Learn more →Pay your home off faster and build equity sooner with a shorter fixed term.
Learn more →Government-backed loans with lower down payment and more flexible credit guidelines.
Learn more →For eligible veterans, service members, and surviving spouses, often with no down payment.
Learn more →Financing for eligible homes in qualifying rural and suburban areas, often with no down payment.
Learn more →For self-employed borrowers: qualify using 12 or 24 months of bank statements instead of tax returns.
Learn more →For real estate investors: qualify for a rental property based on its cash flow, not your personal income.
Learn more →Step-by-step guidance from pre-qualification to closing, so your first purchase feels simple.
Learn more →Not all applicants will qualify. Programs subject to credit approval, underwriting guidelines, and property eligibility.
"Buying a house for the first time was really intimidating but Kaelan made the whole process so easy... Would highly recommend to anyone buying a house, especially first-time home buyers."
"Karey & Tara from the Cheatham Team made our dreams a reality. Everyone told us the home buying process was a stressful nightmare, but our experience was a complete 180."
"She was super helpful and always quick to respond, no matter what time it was... We couldn't have asked for a better loan officer!"
Apply online in a few easy steps, and we'll call you to talk through the details.
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