San Antonio Mortgage Broker, 100+ Lenders | Beto the Broker
San Antonio, TX · NMLS #1956260

One Broker.
100+ Lenders.
Your Best Deal.

Alberto shops the wholesale lending market so you don't have to.
More options, lower rates, and a broker who speaks your language.
English · Español · Português.

Book a Free 10-Min Call

Ready to apply? Start the secure application →

Why Work With Alberto
NAHREP Top 250 OriginatorRanked #60 nationally · 2022
TREC Certified InstructorTeaches Texas real estate professionals
Active Real Estate InvestorInvests in the same products he funds
Based in San Antonio, TXTexas mortgage broker · NMLS #1956260
Habla Español · Fala PortuguêsThree languages, one trusted broker
Wholesale
Lending Partners
100+
Banks, credit unions, and wholesale lenders
More options than any single bank
Find your program
What are you trying to do?
Buy a home→
First-time · FHA · VA $0 down · DPA
Refi or tap equity→
HELOC · Cash-out · Refinance · Reverse 62+
Invest or self-employed→
DSCR · Bank statement · Fix & flip · ITIN
Build or go rural→
Construction · Barndominium · USDA · Jumbo
Available statewideSee all 20 programs →
100+
Wholesale Lenders
100%
Digital Process
3
Languages
TX
Statewide
Why Beto

A Broker Works for You, Not a Bank

When you work with Alberto, you're not getting one lender's rate sheet. You're getting access to the wholesale market.

100+ Lenders, One Pull

Alberto pulls your credit once and shops it across 100+ wholesale lenders to find the best rate and program for your profile, instead of whatever one bank happens to offer.

One Credit Pull

Straight Talk, Always

Alberto tells you what the numbers say. If a deal doesn't make sense for you, he'll say so, even if it means walking away from the commission.

No Sales Pitch

100% Digital Process

Apply, upload docs, and track your loan entirely online. No branch visits, no stacks of paper, no radio silence. Fast, transparent, and fully mobile-friendly.

Mobile Friendly
About Alberto

Meet Beto the Broker

Alberto Moravia, Beto the Broker
100+
Wholesale Lenders
NMLS #1956260 · Verified

Alberto Moravia is a licensed mortgage broker, TREC Certified Instructor, and active fix-and-hold real estate investor based in San Antonio, TX. He operates under Edge Home Finance LLC, one of Texas's leading independent mortgage brokerages.

Having lived and worked across Brazil, California, Hawaii, and Texas, Alberto understands that every borrower's situation is different. He's built his reputation on giving clients the straight story, even when that means telling them a loan isn't the right move.

As a TREC instructor, Alberto trains real estate professionals across Texas. That means when he's working on your loan, he's thinking about the whole transaction, not just the mortgage in isolation.

Serving all of Texas in English, Español & Português.

TREC Certified Instructor Fix & Hold Investor San Antonio, TX Edge Home Finance LLC NMLS #1956260 English · Español · Português
What We Do

Every Type of Home Loan, One Broker

Whether you're buying your first home, tapping equity, or scaling an investment portfolio, Alberto has a wholesale solution for it.

All Programs: HELOC DSCR Reverse Mortgage Conventional FHA VA / VA IRRRL USDA Jumbo First-Time Buyer Down Payment Assistance Bank Statement P&L Only ITIN Foreign National Fix & Flip Cash-Out Refi Refinance All-In-One Barndominium OTC Construction

Buy a Home

First home, next home, or $0 down with VA
Full Guide ↗

First-Time Buyer New Buyers

Buying your first home? Alberto walks you through what to expect, what the bank actually looks at, and which programs lower your down payment without raising your rate.

Read the full guide →
 Full Guide ↗

Down Payment Assistance TSAHC / TDHCA

Texas DPA programs through TSAHC and TDHCA can cover down payment and closing costs as a grant or second lien. Alberto knows which lenders pair with which programs.

Read the full guide →
 Full Guide ↗

Conventional

First home, forever home, or investment property. Alberto shops 100+ wholesale lenders to find your best conventional rate. 3% down options available.

Read the full guide →
 Full Guide ↗

FHA Loans

Lower credit score minimums, 3.5% down, and flexible income guidelines. Great for first-time buyers and those rebuilding credit. Manual underwriting available.

Read the full guide →
 Full Guide ↗

VA & VA IRRRL

$0 down, no PMI, competitive rates for eligible veterans and active duty. VA IRRRL (Streamline Refinance) available to lower your rate with minimal paperwork.

Read the full guide →
 Full Guide ↗

Jumbo Loans

Loan amounts above the conforming limit. Hill Country, San Antonio luxury, second homes. Wholesale jumbo programs with competitive pricing for high-balance scenarios.

Read the full guide →

Refinance & Equity

Lower your rate or put your equity to work
Full Guide ↗

HELOC TX Specialist

Tap your home equity without touching your first mortgage rate. Consolidate high-interest debt or fund renovations with a Texas 50(a)(6) HELOC.

See HELOC options →
 Full Guide ↗

Cash-Out Refinance

Tap your equity in a lump sum without taking out a second mortgage. Best when rates make sense to refinance the whole loan. Alberto runs the math both ways.

Read the full guide →
 Full Guide ↗

Refinance

Lower your rate, reduce your term, or pull cash out, but only when the numbers make sense. Alberto will tell you straight if a refi isn't worth it.

Read the full guide →
 Full Guide ↗

All-In-One Loan

A mortgage and home-equity line combined into one sweep account, so your checking balance pays down principal daily. Powerful if you carry cash; Alberto shows you the breakeven.

Read the full guide →
 Full Guide ↗

Reverse Mortgage 62+ Homeowners

Access your home equity tax-free with no monthly mortgage payments. FHA-insured HECM for homeowners 62+. Keep your home, improve your cash flow.

Explore reverse options →

Investors & Self-Employed

Qualify on rent, deposits, or a P&L instead of W-2s
Full Guide ↗

DSCR & Investor Loans Investor

Qualify on rental income. No W-2s, no personal tax returns required. Close in your LLC and scale your portfolio. Rates based on property cash flow.

Explore DSCR options →
 Full Guide ↗

Fix & Flip

Fast, asset-based financing for investors who buy, renovate, and sell. Short-term bridge loans with quick closes so you never miss a deal.

Read the full guide →
 Full Guide ↗

Bank Statement Loans Self-Employed

Can't show traditional income? Qualify using 12–24 months of bank statements. Perfect for self-employed borrowers, business owners, and 1099 earners.

Read the full guide →
 Full Guide ↗

P&L Only Loans Non-QM

For self-employed borrowers who don't want to share bank statements. Qualify on a CPA-prepared profit-and-loss statement. No tax returns required.

Read the full guide →
 Full Guide ↗

ITIN Loans Non-QM

Mortgage financing for borrowers without a Social Security number. ITIN holders can qualify for purchase or refinance with the right wholesale lender. Hablo Español.

Read the full guide →
 Full Guide ↗

Foreign National Investor

Non-US residents purchasing US property. No US credit required, no Social Security number needed. Asset-based qualification for international investors. Falo Português.

Read the full guide →

Rural, Land & Build

USDA, barndos, and one-time-close construction
Full Guide ↗

USDA Rural

$0 down financing for eligible rural and suburban properties. Income limits apply. Many parts of Texas qualify, even areas closer to metros than you'd expect.

Read the full guide →
 Full Guide ↗

Barndominium Texas Specialty

Financing for metal buildings, barn homes, and unique Texas properties. Alberto knows which lenders fund bardos and how to get them closed.

Read the full guide →
 Full Guide ↗

OTC Construction One-Time Close

Build your dream home with one loan, one closing, and one set of closing costs. Combines construction financing and permanent mortgage into a single close.

Read the full guide →
Submit Scenario ↗

Got a Tricky Scenario?

Doctor loans, jumbo non-QM, bridge loans, multi-property investors, and the kind of files banks turn down without explaining why. Send Alberto your situation for a free 24-hour review.

Submit your scenario →

Got a Scenario? Have Questions?

Submit a scenario for a free 24-hour review, or book a quick call if you'd rather just chat through it.

Submit Your Scenario Book a 10-Min Call
Client Reviews

What Clients Say About Beto

5.0★★★★★on Google
Beto is very knowledgeable and makes the process so seamless when buying a home. There are so many hoops you have to jump through when buying a home and he takes all the leg work off your shoulders! Can't recommend Beto more if you are looking for a trusted loan officer!
Kendall O.Google review · Home buyer
Our discussions with Beto were very informative… helped us make some important decisions regarding the marketing focus for our home in northern San Antonio, which has an assumable VA mortgage. That VA Loan is a serious asset, but one which places some complications on both the Seller and Buyer. Navigating those decisions is important. That's why we are grateful to Beto for his expertise and guidance.
John C.Google review · San Antonio seller, assumable VA loan

Read all reviews on Google →

How It Works

Here's How It Works

No runaround, no bank branches, no leaving you in the dark. Here's what working with Beto looks like.

1

Free 10-Min Call

Tell Alberto where you're at and what you're trying to do. He'll tell you honestly if he can help and what it looks like.

2

Shop the Market

One credit pull, then Alberto runs your scenario across the wholesale market to see who's the best fit for your profile.

3

100% Digital

Apply, upload docs, and review everything online. No branch visits, no stacks of paper, no wasted afternoons.

4

Close & Move On

Close at a local title company. Alberto stays in contact through funding so you're never wondering what's happening.

Have a Scenario? Let's Look at It.

10 minutes with Alberto is enough to know if there's a deal worth chasing. If there isn't, he'll tell you that too.

Book a Free 10-Min Call Apply Now

Or call/text: (808) 551-8045  ·  alberto@betothebroker.com

Alberto Moravia, Beto the Broker
Written and reviewed by Alberto “Beto” Moravia
Mortgage Broker & TREC Certified Instructor · NMLS #1956260 · Edge Home Finance LLC, NMLS #891464
NAHREP Top 250 Latino Mortgage Originator — ranked #60 nationally (2022)
San Antonio, TX · serving all of Texas in English, Español & Português
Last updated . Loan limits, program rules and guidelines change — figures here reflect that date. Not a commitment to lend. More about Alberto
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