Jacque Diaz

Loan Officer

NMLS #

2366046

Hi, I’m Jacque Diaz, a Loan Officer with Alta Home Lending. I’m passionate about making the home financing process simple, clear, and stress-free. Whether you’re buying your first home, moving up, or refinancing, I’ll work with you to find the right solution and guide you every step of the way. I’m proud to serve the Texas community and would love to help you reach your homeownership goals.

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210.668.0391

jdiaz@altahl.com

3216 Napier Park Dr. Ste 108 San Antonio, TX 78231

Lending in:

Texas

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Loan Programs & Types.

These are just a few of the many mortgage options out there. The best one for you depends on your finances, credit, and homeownership goals. Let’s chat—we’ll walk you through your options and help you find the perfect loan for your dream home!

Conventional Loan

A conventional loan is a mortgage that is not insured or guaranteed by the federal government. It is backed by private lenders and typically follows the guidelines set by Fannie Mae and Freddie Mac. These loans come in fixed-rate or adjustable-rate options and typically require private mortgage insurance (PMI) if the down payment is less than 20%.

FHA Loan

An FHA loan is a government-backed mortgage designed for borrowers who may have lower credit scores or smaller down payments. It is insured by the Federal Housing Administration, which makes it easier for lenders to approve borrowers with credit scores as low as 500 (with a 10% down payment) or 580 (with a 3.5% down payment).

VA Loan

A VA loan is a mortgage loan available to eligible veterans, active-duty military personnel, and their families. It is guaranteed by the U.S. Department of Veterans Affairs, allowing lenders to offer zero down payment, no private mortgage insurance (PMI), and competitive interest rates.

USDA Loan

A USDA loan is a government-backed mortgage designed for low-to-moderate-income borrowers purchasing homes in rural and some suburban areas. The loan is issued by approved lenders and guaranteed by the U.S. Department of Agriculture, offering zero down payment and lower mortgage insurance rates.

Jumbo Loan

A jumbo loan is used for home purchases that exceed conforming loan limits, which are $726,200 in most areas or up to $1,089,300 in high-cost regions. These loans have stricter qualification requirements, including higher credit scores (typically 700+), larger down payments (10%-20%), and strong income verification.

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Jacque Diaz

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