Homeownership
Made Simple.
Whether you're buying your first home, your next home, or refinancing, the Jeremy Stump Team is here to guide you every step of the way. Clear answers, personalized solutions, and a smoother path to your keys.
Takes about 2 minutes • No obligation
Explore Loan Programs
What Are You Looking To Do?
Select the option that best matches your goals. The Jeremy Stump Team will help you explore your options with clear guidance and no pressure.
First-Time Buyers
Buying your first home? We'll guide you through every step with clear answers and no surprises.
Down Payment Assistance
Explore our exclusive Cardinal Elite program offering assistance with down payments and closing costs for eligible buyers.
VA Loans
You've earned it. Explore $0-down options built for veterans.
FHA Loans
Flexible credit guidelines and low down payment options designed to help more buyers qualify.
USDA Loans
Looking outside the city? $0-down options for eligible rural areas.
Refinance
Lower your payment, tap equity, or pay off your home sooner.
Who We Help
We Help Buyers at Every Stage
No two homebuyers are alike. Whether you're buying your first home, upgrading, refinancing, or navigating a unique financial situation, the Jeremy Stump Team is here to help.
First-Time Buyers
From "Where do I start?" to keys in hand, we'll guide you through every step with confidence.
Repeat Buyers
Moving up, downsizing, or relocating? We'll help coordinate the financing so your next move is a smooth one.
Veterans
We honor your service by making your VA benefits work hard for you.
Refinancers
Looking to lower your payment, access equity, or shorten your loan term? We'll help you explore your options.
Self-Employed
Run your own business? We know how to document your income the right way.
Down Payment Help Seekers
Concerned about upfront costs? We'll help determine whether down payment or closing cost assistance may be available through programs like Cardinal Elite.
why work with us?
Experience. Guidance. Results.
The Jeremy Stump Team combines decades of experience in mortgage lending, real estate, and client service. Led by Producing Branch Manager Jeremy Stump and Loan Originator Christine Frost, we help buyers and homeowners navigate the mortgage process with confidence. Whether you're purchasing, refinancing, or exploring down payment assistance options, our goal is simple: clear guidance, honest communication, and a smooth path to closing.
Homeownership Made Simple
The right mortgage starts with the right guidance. We combine local expertise, personalized service, and Cardinal Financial's Speed to Mortgage® process to help you move forward with confidence.
Speed to Mortgage™
Direct Loan Team Access
Talk to real people who know your file — not a call center.
Fast Communication
Quick answers when you need them — no waiting in the dark.
Personalized Strategies
A plan built around your goals, budget, and timeline.
Multiple Programs
FHA, VA, USDA, Conventional, and specialty programs tailored to your goals.
Local Expertise
Local market knowledge backed by years of experience helping Texas homebuyers.
Speed to Mortgage™
A streamlined mortgage process designed to deliver clear communication, efficient execution, and a smoother path to closing.
A SIMPLE PROCESS
Your Path to Homeownership
Five simple steps from your first conversation to closing day. We'll guide you through every stage of the journey.
Consultation
We learn your goals and answer every question — no commitment.
Pre-Approval
Understand your buying power and shop with confidence.
Home Search
Find the right home while we work closely with your real estate agent every step of the way.
Processing & Underwriting
We handle the heavy lifting and keep you updated throughout.
Closing Day
Sign, get your keys, and welcome home!
Step 1 takes just 2 minutes • No obligation
Local Market Expertise
Local Expertise. Real Results.
From the heart of San Antonio to the growing communities of the Hill Country, our team understands the local market, real estate professionals, and financing options available to homebuyers. That local knowledge means smoother closings, better guidance, and a more confident homebuying experience.
Proudly serving Bexar, Comal, Guadalupe, Kendall, Wilson, Medina and surrounding counties. Licensed to serve homebuyers throughout Texas and multiple additional states.
Questions, Answered
Frequently Asked Questions
Whether you're buying your first home, your next home, or refinancing, these are some of the questions we hear most often.
What does it mean to get pre-qualified?
Getting pre-qualified is the first step in understanding your homebuying options. We'll review some basic information about your income, assets, and goals to help estimate what loan programs and price range may be a good fit. There is no obligation, and it's a great way to start planning your next move.
How much do I need for a down payment?
The amount needed varies depending on the loan program and your situation. Some buyers qualify for low down payment options, while others may be eligible for assistance programs that can help with down payment and closing costs. We'll review your options and help you determine what works best for your goals.
Will getting pre-qualified hurt my credit?
In most cases, we do pull credit as part of the pre-qualification process so we can provide the most accurate guidance and loan options available. A mortgage credit inquiry typically has a minimal impact on your score. If you're not quite ready for a full credit review, we also have soft-pull options that allow us to get a general picture of where you stand without affecting your credit. We can even help identify ways to improve your score and show you the fastest path toward qualifying for better financing options.
What credit score do I need to qualify for a mortgage?
Credit score requirements vary depending on the loan program and your overall financial profile. Many buyers are surprised to learn they may qualify with lower scores than expected. During your consultation, we'll review your credit profile, discuss available loan options, and identify any opportunities to strengthen your approval and financing terms.
Can down payment assistance help with closing costs?
Yes. Some down payment assistance programs can also help with closing costs, depending on the program and your eligibility. Through programs such as Cardinal Elite, qualified buyers may have access to assistance that helps reduce the upfront funds needed to purchase a home. We'll review your situation and determine which options may be available to you
You're Closer to Home Than You Think
The right mortgage starts with the right conversation. Let's explore your options together — no pressure, no obligation.
No commitment • Just clarity
