Hays County (the county seat)
San Marcos Home Loans
San Marcos is the Hays County seat and home to Texas State University. We help first-time buyers, move-up buyers and investors here with purchase and refinance loans.
Buying or refinancing in San Marcos
Buying a rental near the university? Investment property loans have different requirements than a home you live in. We walk you through both before you make an offer.
Parts of San Marcos are near the San Marcos and Blanco rivers. Check the FEMA flood map for any address, since flood insurance can be required by your lender.
Loan programs we offer in San Marcos
Meet your loan officer
Dustin Allan, NMLS #2044646
I'm a Kyle-based mortgage loan originator, and I'm also a licensed real estate agent. That means I look at your loan and your purchase together: what you can comfortably afford, how your offer will read to a seller, and how to keep your closing on schedule.
You work with me directly, by phone or text, from your first question through closing day.
Real clients. Real closings.
What borrowers say about working with Dustin. Every review is five stars.
★★★★★
“As a first-time home buyer, Dustin was super helpful and very good at explaining the answers to all of my questions. He took my calls and texts at any time of day. Even on closing day he showed up and made me feel calm and assured as we signed.”
Michael R.
Purchase · closed April 2026 · Client review
★★★★★
“We had an excellent experience during our refinance. The entire process was smooth, efficient, and incredibly fast. Everything was explained clearly and communication was great. Dustin and his team truly made refinancing stress-free.”
Jacqueline C.
Refinance · closed January 2026 · Client review
★★★★★
“We want to thank Dustin for going out of his way at all times. Every question we had, he answered and broke down so we had a better understanding. Thank you for all your hard work and for helping us reach our goal of becoming homeowners.”
Vicente R.
Purchase · closed March 2026 · Client review
★★★★★
“Dustin was great to work with — very available, attentive, knowledgeable, professional, and he got things wrapped up in a timely manner. I would highly recommend Dustin for your loan needs. Thanks, Dustin!”
Dawn G.
Purchase · closed February 2026 · Client review
San Marcos mortgage FAQ
Which appraisal district handles property taxes in San Marcos?
San Marcos is in Hays County (the county seat). Property values and exemptions are handled by the Hays Central Appraisal District, depending on the address.
How do I lower property taxes on a home I buy in San Marcos?
If the home is your primary residence, file for the Texas residence homestead exemption with the appraisal district after you buy. It lowers the taxable value of your home.
Is there down payment assistance in San Marcos?
Statewide programs from TSAHC and TDHCA are available to eligible buyers in San Marcos, and some cities and counties have their own. Eligibility depends on income, credit, the home and current program funding.
Can I work with a local loan officer for a home in San Marcos?
Yes. Dustin Allan (NMLS #2044646) works with San Marcos buyers directly by phone, text or in person from our Kyle office.
Nearby: Kyle · New Braunfels · Buda · All areas we serve
Questions about a home in San Marcos?
Send a note and Dustin will get back to you. No rate is quoted until we review an application.