Your Agent and Loan Officer, In One
Jonathan Morris is a dual-licensed Realtor and Mortgage Loan Officer with DirectRate. That means your financing and your real estate move together from day one.
Mortgage Calculator
Get a quick estimate of your monthly payment. Adjust the inputs to see how different scenarios affect your costs.
Principal, Interest, Taxes & Insurance
Payment Breakdown
This calculator provides estimates only and does not constitute a commitment to lend. Actual payments may vary based on credit, loan program, and other factors. Contact Jonathan for a personalized quote.
Jonathan Morris
Jonathan is not just your real estate agent. He is also a licensed Mortgage Loan Officer with DirectRate, which means he can handle both sides of your transaction. No juggling two professionals who do not talk to each other. One point of contact from pre-approval to closing day.
His dual licensing allows him to structure your loan and your purchase agreement together, so your financing is never the reason a deal falls apart.
Start Your Application with DirectRate
NMLS Consumer Access: nmlsconsumeraccess.org
The right loan for your situation
VA Loans
Zero down payment, competitive rates, and no monthly mortgage insurance. Jonathan guides eligible veterans, active-duty service members, and surviving spouses through every VA requirement.
Conventional Loans
Flexible terms from 10 to 30 years with competitive fixed and adjustable rates. Ideal for buyers with strong credit who want a straightforward path to homeownership.
FHA Loans
Lower credit score requirements and down payments as low as 3.5%. A practical option for first-time buyers who may not yet have a large savings account.
Down Payment Assistance
Texas offers several programs that can help cover your down payment and closing costs. Jonathan will help you identify every dollar you qualify for.
USDA Loans
Zero down payment for eligible rural and suburban properties. A great fit for buyers in outlying areas around San Antonio, New Braunfels, and the Hill Country.
Jumbo Loans
Financing for higher-value properties that exceed conventional loan limits. Competitive terms for buyers pursuing luxury homes in the San Antonio market.
Why a dual-licensed agent changes everything
Most buyers work with a real estate agent and a separate loan officer. That means two people who may not be on the same page, miscommunication about timelines, and financing issues that surface at the worst possible moment.
When you work with Jonathan, your agent and your loan officer are the same person. He structures your offer with your financing in mind from the start. No back-and-forth between offices. No finger-pointing if something delays. Just one team, one plan, one closing.
That is the difference between a process that works and one that barely survives.
From pre-approval to keys in hand
Pre-Approval
Start with a pre-approval so you know exactly what you can afford. Jonathan reviews your income, credit, and debt to issue a pre-approval letter that agents and sellers take seriously.
Home Search
With your pre-approval in hand, you are ready to shop with confidence. As your agent, Jonathan or Naomi will help you find the right home in the right neighborhood.
Contract & Processing
Once you are under contract, your loan moves through underwriting. Because Jonathan is both your agent and your loan officer, nothing gets lost between two offices.
Closing Day
Review your final Closing Disclosure, sign your documents, and get your keys. Your financing and your real estate close together, on time, with no surprises.
The Level Program at DirectRate
Are you a real estate agent interested in becoming dual-licensed? The Level program at DirectRate is designed specifically for agents who want to add mortgage lending to their business. It provides the training, licensing support, and platform you need to originate loans alongside your real estate practice, just like Jonathan does.
Being dual-licensed means you control both sides of the transaction, offer more value to your clients, and create an additional revenue stream. If you are curious about what it takes, reach out to Jonathan for a conversation.
Mortgage questions, answered
How much do I need for a down payment?
What credit score do I need?
How much are closing costs?
Can I roll my closing costs into the loan?
What is the Level program at DirectRate?
Let's start with your numbers
Whether you are buying your first home, PCS-ing to San Antonio, or refinancing, Jonathan can run the numbers and show you what is possible. No pressure, no obligation.
This is not a commitment to lend. All loans are subject to credit approval, property appraisal, and program eligibility. Rates, terms, and availability are subject to change without notice. NMLS ID: 2792614. Jonathan Morris is licensed by the Texas Department of Savings and Mortgage Lending as a Mortgage Loan Officer and by the Texas Real Estate Commission as a Real Estate Agent.
Jonathan Morris is a Mortgage Loan Officer with DirectRate, NMLS# 2319277. Equal Housing Lender. For information about DirectRate, visit directrate.com.
NMLS Consumer Access is a free, official website for consumers to verify the registration and employment history of licensed mortgage loan originators.
Texas consumers: The Texas Department of Savings and Mortgage Lending has established a statewide complaint and inquiry hotline at (877) 276-5550 or tsl.texas.gov.