Trusted Since 2002

Guiding You Home With Unbeatable Rates.

Helping you own your dream home. As an independent mortgage broker with 30+ years of experience, we tap directly into wholesale rates to give you access to lower costs and personalized, stress-free guidance.

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Lowest Rates Guaranteed

Partnered with top lenders for market-leading options

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Dedicated Guidance

Superior service tailored around your unique goals

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6,000+ Families Aided

Proven track record of financing Texas dreams

Specialized Down Payment Aid

Access Up To $30,000

As San Antonio's HIP specialist, we simplify your homeownership journey by connecting eligible buyers with up to $30,000 in assistance.

  • 0% Down FHA & USDA Programs
  • Self-Employed No Tax Return Options
  • Flexible Credit Scores (From 580+)
See If You Qualify →
Our Purpose

Committed to Guiding You Through Every Step

Since 2002, RJ Financial Services has been dedicated to providing top mortgage solutions. As an independent broker, we access wholesale rates, offering you better deals. With 30+ years of experience, we're committed to personalized, stress-free service.

Our expert team is available on your schedule. Having aided over 6,000 families, we are dedicated to finding mortgage solutions that fit your unique financial goalsβ€”whether purchasing your first starter home or refinancing an existing investment property.

2002 Year Established
30+ Years Experience
6,000+ Families Aided
$30K Max Down Payment Aid
Our Loan Options

Buy or Refinance Loans

Get the right mortgage, from VA to USDA. We offer personalized guidance and competitive rates for all home loan needs.

Self-Employed? No Tax Return

Bank Statement Programs

Qualify using alternative documentation without needing standard tax returns.

FHA Loan Options

580 Credit Score | 3.5% Down

Flexible government-backed financing built for first-time buyers or lower credit profiles.

USDA Loans

0% Down Payment

Zero down payment rural property financing with flexible qualifying guidelines.

VA Loans

0% Down Payment

Exclusive 100% financing options with zero private mortgage insurance for military members & veterans.

Conventional Mortgages

620 Credit Score | 3% Down

Competitive fixed and adjustable rate financing options for prime borrower profiles.

FHA 100% Down

600 Credit Score | 0% Down

Combine standard FHA benefits with complete down payment assistance for true zero-down buying.

DSCR Investor Loans

No Income Required | 1.00 DSCR | 75% LTV

Qualify real estate investments based purely on property cash flow, skipping personal debt ratios.

Verified Reviews

RJ Financial Services Inc

4.9
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95 Reviews
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"First time homebuyer. Austin is a credit to his profession..."

mark jones 7/24/2026
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"Austin Roberson did a awesome job helping me s..."

Sean Nieto 7/17/2026
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"Rene and Gray were fantastic to work with. They were bot..."

Casey Harris 6/26/2026
Meet Our Experts

Dedicated Loan Officers & Specialists

AR

Austin R.

Loan Originator

NMLS: 2723783
JS

Julian S.

Loan Originator

NMLS: 2738067
LH

Liliana H.

Senior Mortgage Specialist

JJ

James J.

Mortgage Specialist

JG

Jesse G.

Loan Officer Assistant

JL

Jacque L.

Mortgage Specialist

Get In Touch

Request A Free Rate Quote

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Visit Our Office

Speak With Our Experts

We value every client, assisting with home buying and refinancing. Visit us during business hours to speak with our mortgage experts.

RJ Financial Services

84 N.E. Loop 410, Ste 2119 West Bldg
San Antonio, TX

210-723-7836 Get Directions →

Business Hours

  • Mon - Fri: 09:00 am – 05:00 pm
  • Sat: By Appointment
  • Sun: By Appointment