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Lenders
Educational resources on mortgage lenders, loan programs, and what to ask before you commit.
Hugh Blevins
Broker Owner, Red, White & Loan
NMLS 1469474 · Company NMLS 2658593
Tracy Hochrine
Retail Branch Manager, Planet Home Lending
NMLS 1247316
Collette Horton
Liberty Star Mortgage, a branch of SecurityNational Mortgage Co
NMLS 290357 · Company NMLS 3116
281-830-8888 30417 5th St., Suite B, Fulshear, TX 77441
Collette Horton is a mortgage professional serving the Texas Hill Country and greater Houston area. Whether you are purchasing your first home, relocating from out of state, refinancing, or building a custom home, Collette can help you navigate the lending process with personalized guidance.
Dionni Flournoy
Senior Loan Officer, Flournoy Lending Group
NMLS 2425173
52 Worth Dr, Building 3, Unit A, Boerne, TX 78006
What loan programs am I eligible for based on my income, credit, and down payment?
What are the current interest rates and APR for my situation?
Are there any origination fees, discount points, or lender credits?
What property types are eligible for the loan I am considering? (Acreage, new construction, and rural properties may have different requirements.)
What is the estimated closing timeline?
Does the lender have experience with Hill Country properties and local title companies?
First-Time Buyers
Look for lenders experienced with TSAHC, TDHCA, and SETH programs. These programs can provide down-payment assistance, but eligibility and terms vary.
Veterans and Military
Look for lenders experienced with VA loans and Texas VLB. VA loans offer competitive rates and no down payment, but property and appraisal requirements differ from conventional loans.
Acreage and Rural Buyers
Look for lenders familiar with rural and agricultural properties. USDA loans may be available for eligible areas, and conventional lenders may have specific requirements for acreage.
Custom Home Builders
Look for lenders experienced with construction-to-permanent loans and builder draw schedules.
IMPORTANT DISCLAIMER: This page provides general educational information and is not a guarantee of any lender's services, rates, or qualifications. Bill Ross is a licensed Texas real estate agent, not a mortgage broker, lender, or financial adviser. Contact each lender directly to verify current rates, fees, eligibility, and program availability. Lender relationships and compensation arrangements vary; contact Bill for details.
Directory Methodology
This directory lists service providers who serve the Boerne, Fair Oaks Ranch, and surrounding Hill Country area. Inclusion is based on:
- Licensed and insured status in Texas
- Active service area covering the Hill Country region
- Professional standing and reputation in the community
Compensation disclosure: Inclusion in this directory does not constitute an endorsement. No payment is required for inclusion. Some providers listed here may have a professional relationship with Hill Country Homesteads Group; those relationships are disclosed on individual listing pages where applicable.
This list is not exhaustive. Consumers may use any qualified provider. Verify licenses, insurance, and credentials independently. Report corrections or updates to Bill@HillCountryHomesteads.com.
Last verified: August 2026
Contact Bill Ross for lender referrals specific to your situation.