The Complete VA Loan Guide for San Antonio Military Buyers
May 15, 2026 · 5 min read · By May Reed
If you're active-duty military, a veteran, or an eligible surviving spouse, a VA loan is one of the most powerful home financing tools available to you. After helping hundreds of military families near Lackland AFB, here's everything I wish every buyer knew upfront.
What Makes VA Loans Different?
- ✓Zero down payment required — 100% financing
- ✓No private mortgage insurance (PMI)
- ✓Competitive interest rates, often lower than conventional
- ✓No prepayment penalties
- ✓Easier qualification standards
Do You Qualify?
Most active-duty service members, veterans, and eligible surviving spouses qualify. The first step is obtaining your Certificate of Eligibility (COE). As your loan officer (NMLS 2250663), I can pull this for you directly — it takes minutes.
The VA Funding Fee
There is a one-time VA funding fee, which varies based on your service type, down payment, and whether it's your first VA loan. The good news: it can be rolled into the loan amount. And if you have a service-connected disability rating of 10% or more, the fee is waived entirely.
PCS Move? Here's How to Buy Before You Arrive
I do this regularly. We can complete virtual tours via video call, sign all documents electronically, and have keys waiting when you arrive. The key is starting the pre-approval process as early as possible — ideally 60–90 days before your report date.
Ready to Get Pre-Approved?
As both your realtor and loan officer, I handle everything in one conversation. No runaround, no third parties.