Serving Greater San Antonio2.6M+ residents · 250k+ veterans
Texas Vet & VA Loans in Greater San Antonio
Discounted fixed rates for Texas veterans through the Veterans Land Board. Extra rate reductions for veterans with a 30%+ disability rating. See what you qualify for in 60 seconds.
$0 Down PaymentVA and Texas Vet loans require no down payment for eligible veterans.
Discounted RatesTexas Vet (VLB) rates are set weekly and often beat standard VA rates.
Disabled-Veteran Discount30%+ service-connected disability unlocks an additional rate reduction and a waived funding fee.
Up to $832,750Buy a primary residence on a fixed 15/20/25/30-year term.
★★★★★ 5.0 Google ReviewsNMLS #XXXXXXEqual Housing Lender
Military City USA — Joint Base San Antonio anchors the strongest Texas Vet market in the state, with affordable neighborhoods from Alamo Heights to New Braunfels.
Cities we serve in Greater San Antonio
Occupancy: this is for your home
VA and Texas Vet purchase loans are for primary residences. You'll generally move in within 60 days of closing and keep the home as your primary residence — they aren't for investment properties, though you can buy a multi-unit home and live in one unit.
Manufactured and modular homes qualify
A VA loan can finance a manufactured home built to HUD code on a permanent foundation and titled as real property — in Texas, via a Statement of Ownership filed with the TDHCA. Modular homes are even simpler: the VA treats them like site-built houses on standard terms.
Benefits for spouses and surviving spouses
Spouses can co-borrow, and unremarried surviving spouses of veterans who died in service or from a service-connected disability may be able to use the VA home loan benefit themselves — including the funding-fee exemption.
Texas property tax breaks for disabled veterans
Texas rewards service with property tax exemptions that grow with your VA disability rating, up to a full homestead exemption for veterans rated 100% disabled. On top of a discounted Texas Vet rate, this can save thousands every year you own the home.
Yes, if the condo project is VA-approved. Many Texas projects already are, and lenders can request approval for ones that aren't — just build extra time into your contract.
Can I refinance a Texas Vet (VLB) loan?
No, the VLB home loan is for purchases only. If rates fall later, you'd refinance through your federal VA loan benefit, which does allow it.
How is BAH counted toward qualifying?
Basic Allowance for Housing (BAH) can often be counted as effective income toward qualifying, which can meaningfully increase the home price you're approved for.
Can a VA loan finance a manufactured home?
Yes, if the home was built to HUD code (June 15, 1976 or later), sits on a permanent foundation, and is titled as real property — in Texas that means a Statement of Ownership filed with the TDHCA.
Do disabled veterans get a Texas property tax exemption?
Yes. Texas offers property tax exemptions that scale with your VA disability rating, and veterans rated 100% disabled may qualify for a total homestead property tax exemption. This is separate from the loan but a major ongoing savings.
What is full vs. partial VA entitlement?
With full entitlement there's no VA-imposed loan limit on a $0-down purchase. Partial entitlement (if you have another active VA loan) caps your zero-down power at the county conforming limit — $832,750 in most Texas areas for 2026.
When do I have to move into the home?
VA and Texas Vet purchase loans require owner-occupancy. You'll generally need to occupy the home within about 60 days of closing and keep it as your primary residence.
Can I buy a multi-unit property with a VA loan?
Yes — you can buy up to a four-unit property with a VA loan as long as you occupy one of the units as your primary residence.
San Antonio buyers — check your eligibility
Free, no-obligation. See what you qualify for in about a minute.