You’ve served our country — now let the VA home loan benefit serve you. I help Veterans, active-duty service members, and surviving spouses throughout San Antonio and the surrounding area navigate the VA purchase and refinance process with confidence.

Whether you’re buying your first home, moving up, or exploring refinance options, you’ll get clear guidance, personal service, and a smooth path to the finish line.

A VA loan is a government-backed mortgage available to eligible Veterans, service members, and qualifying surviving spouses. The Department of Veterans Affairs guarantees a portion of the loan, allowing approved lenders to offer favorable rates, flexible guidelines, and the opportunity to buy with no down payment.

You can use a VA loan to purchase:

• Single-family homes
   
• Condos
   
• Multi-unit properties
   
• Manufactured homes
   
• New construction (availability varies by lender)
   

Since 1944, the VA loan program has helped millions of military families become homeowners. It works much like any other mortgage — but comes with powerful advantages designed specifically for those who serve.

The hallmark feature of the VA loan: eligible buyers can purchase a home with no money down, regardless of the purchase price. This keeps more savings in your pocket and helps you move into homeownership sooner.

VA loans typically offer some of the lowest fixed rates in the industry. Lower rates mean lower monthly payments and long-term savings.

The VA loan program was built to be accessible. Compared to many other loan types, VA loans offer more forgiving credit requirements and a holistic look at your full financial picture.

Even with no down payment, VA loans never require PMI — an immediate monthly savings compared to conventional or FHA financing.

The VA restricts certain fees and allows sellers to contribute toward closing costs, making it easier to get to the closing table with less out-of-pocket expense.

Eligibility is based on service history and character of service. In general, you may qualify if you’ve served:

• 90 consecutive days of active duty during wartime
   
• 181 consecutive days of active duty during peacetime
   
• 6 years in the National Guard or Reserves (or 90 days under Title 32 with 30 consecutive days)
   

Some surviving spouses may also be eligible.

If you’re unsure whether you qualify, I can help obtain your Certificate of Eligibility (COE) directly from the VA. You don’t need this document before starting the process — I’ll take care of it for you.

Every loan program has its own strengths, but for many Veterans, the VA loan is the most cost-effective path to homeownership. 

Not every situation calls for a VA loan — but for many military buyers, it’s the strongest overall option. I’ll walk you through each choice so you can make the best financial decision for your family.

Buy a home in the San Antonio area with no down payment and flexible guidelines. Eligible property types include single-family homes, condos, manufactured homes, multi-unit residences, and certain new construction.

Refinance your existing VA loan with minimal documentation. Many homeowners use this option to secure a lower rate or reduce monthly payments.

Tap into your home’s equity for renovations, debt consolidation, or other financial needs. Available to Veterans with or without an existing VA loan.

Whether you’re purchasing in San Antonio or exploring refinance options, I’m here to make the process simple, transparent, and tailored to your goals.

Call or Text: (210-364-0070)