Joe Mays

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Joe Mays
Mortgage Broker
NMLS #229981


Welcome to American Property Financial’s Website.

We are a locally owned mortgage brokerage company founded in 1985. Having been in business for 30 years we have helped thousands of Texans purchase or refinance everything from their first home to an investment properties, which have helped, build their net worth.

We have done this by offering a wide range of home loans including FHA, FHA 203K, VA, Conventional, Tex-Vet, USDA and Home Equity Loans throughout the State of Texas.  Whether you are a First Time Homebuyer or you are Building the home of your dreams we have the right loan program for you.

If you are a First Time Homebuyer and are lacking money for a down payment check out our Help In Buying site and information on Down Payment Grants and $0 down payment programs.
American Property makes every effort to make sure you know about money saving opportunities available to you. Such as the ability to use your VA benefits to purchase a second home, even if you still have an outstanding VA loan with the use of Bonus Entitlement; VA Funding Fee.
We are known as "The Most Creative Mortgage Lenders in San Antonio."  Check out our Loan Lab page, "What we do is not rocket science," but with our experience and knowledge we can help you save a lot of money in structuring your mortgage loan.  We are also very creative in our development of programs for the financing of  Manufactured home .

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Find the perfect loan to fit your needs.

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.


Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.


Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.