Your Trusted Real Estate Advocates

Exceptional Professionalism

Keith & Sheila have spent last 13 years as a full time top-producing husband-and-wife real estate team, Keith & Sheila bring unmatched expertise in guiding both veterans and civilians through the buying, selling, and investing journey. We live by the "Golden Rule - Treat others the way we want to be treated".
Real Estate Experience
Keith’s background as a 13 year former TX professional home inspector with 4,000 inspections and 15 years as a general contractor renovating over 100 historic homes gives the team a rare edge in assessing long-term property value, cost of home ownership, and maintenance needs.
Veteran / Military - Friendly Advocacy
Keith’s background as a U.S. Army veteran and Sheila's Air Force family upbringing informs their empathetic approach, ensuring a smooth and respectful experience for all active duty & veterans. We know how to make your PCS or relocation as painless as possible! We have your SIX!
Mastery of the Local Market
Living in San Antonio area over 50 years, Keith & Sheila have a thorough understanding of local communities, neighborhoods, market trends, growth trends, and property values.
Client-Focused & Relationship Driven
OUR goal is to build trusting, lasting relationships—not just close deals. Expect transparent communication and exceptional service from day one till years after you closed a transaction with us.
 
Exceptional Real Estate Service
Whether buying, selling or investing, we will guide you every step of the way & We will always put your best interests first, no matter what!
 
🪖 Veteran-Focused 🎥 Live on Zoom 🕒 1 Hour

Your Roadmap to Homeownership — Built for Veterans & First-Time Buyers

Free Zoom seminar covering the Texas Home Buyer Roadmap, VA Loan Entitlement (0% down, no PMI), and how to go from dreaming to consultation to keys without making first time buyer costly mistakes.

First-Time Home Buyer Zoom Seminar

Presented by: Keith & Sheila Campbell, REALTORS® | LPT Realty

Special Guest: Tyler Carlson, Loan Officer – UMortgage

Date: Thursday, November 6, 2025

📅 Thu, Nov 6, 2025 ⏰ 6:30 – 7:30 PM CST 📍 Virtual (Zoom)
🎟️ Register Free HERE on Zoom 📅 Schedule Buyer Consultation
FAQs

First-Time & VA Buyer FAQs

First-Time Buyers

How much cash do I need to buy a home as a first-time buyer?
Down payment requirements vary by loan (3%–5% for many conventional options, 3.5% for FHA). You’ll also want to budget ~2%–4% of the purchase price for closing costs. We’ll show you strategies for down payment assitance, seller credits, and seller concessions to reduce cash-to-close.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on self-reported info. A pre-approval verifies income, assets, and credit with documentation. We recommend a full underwritten pre-approval before you shop to strengthen your offer.
What credit score do I need?
Typical minimums start around the mid-600s for conventional and 520 for many FHA programs, but lender overlays vary. Higher scores can lower your rate and mortgage insurance. We’ll connect you with lenders who can roadmap improvements if needed.
What’s the timeline from offer to keys?
Most financed purchases close in ~25–35 days. New construction and certain loan types can vary. We coordinate inspections, appraisal, title, and underwriting to keep you on track.
Inspection vs. appraisal—what’s the difference?
An inspection evaluates condition and safety for your knowledge; an appraisal determines market value for the lender. We recommend both—and we’ll help you interpret results and negotiate repairs.

Ready to Secure Your Spot? Get Your FREE Ultimate Home Buyers Guide When You Attend This Seminar!

Join us Thursday, November 6th at 6:30 PM CST for our First-Time & Veteran Home Buyer Zoom Seminar.
Seats are limited — reserve your free spot today!

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🎟️ Click HERE to Register on Zoom

VA Buyers

Do VA loans really require $0 down?
Yes—eligible Veterans can purchase with no down payment up to their entitlement limits. You’ll still have funding fee and closing costs, but we often structure seller credits to reduce them. There’s no monthly PMI on VA loans. Veterans with service connected disability rating pay no funding fee!
How do I prove eligibility (COE) and entitlement?
Our lender can retrieve your Certificate of Eligibility (COE) electronically in minutes in most cases. You may need your DD-214 (separated) or a Statement of Service (active duty). We’ll help your lender secure it early.
What is the VA Funding Fee—and can it be waived?
The VA Funding Fee is a one-time cost that can be financed. It’s waived for many Veterans with a qualifying disability rating (and some other cases, e.g., surviving spouses). We’ll confirm your status with the lender.
Are VA appraisals harder to pass?
VA appraisals check value and basic Minimum Property Requirements (safety, sanitation, structural soundness). We screen properties for likely issues and negotiate solutions if repairs are needed.
Can I buy while PCSing to JBSA?
Absolutely. We routinely help active-duty families time closings around PCS dates with power-of-attorney options, remote signings, and on-site inspections we attend on your behalf.

Ready to Secure Your Spot? Get Your FREE Ultimate Home Buyers Guide When You Attend This Seminar!

Need answers specific to your situation? 📅 Book a 1:1 Buyer Consultation

Buying a Home

BUYING A HOME?

Keith & Sheila Will Help You Buy Your Dream Home! Whether you're buying your first home, your dream home, or your tenth investment property, we will guide you through the process every step of the way.

As Dedicated Spouse Team in the greater San Antonio market, we have the expertise, knowledge, experience, and desire to negotiate you the best deal possible and get you to the closing table successfully. Our goal is to help you find the perfect property for your unique situation.

Need to get preapproved for a home loan? We can connect you with our vetted lenders who have the best rates, lowest loan fees and have a desire to serve your best interest just like us!

Ready to meet online or in person? Schedule a consultation today or Call/Text Keith @ (830)837-1071 .

You can also start your home search right on our website, schedule showings online, and even make an offer with our industry-leading technology. Let’s get started!

Sell your San Antonio home with Keith & Sheila Realty Group

SELLING YOUR HOME?

Get top dollar with a proven plan. From pricing strategy and prep guidance to HDR photography, digital marketing, and expert negotiation — we handle it all so you can move confidently.

As a dedicated spouse team serving Greater San Antonio, we bring 13+ years and 300+ successful closings — plus renovation and inspection experience to help you identify high-ROI improvements before listing.

300+ Closings 13+ Years Experience Veteran-Owned

Want an expert price opinion and custom marketing plan? We’ll tailor everything to your goals and timeline — then execute with precision.

American Flag Proudly Serving Those Who Serve

VETERANS & MILITARY

At Keith & Sheila Realty Group, we are proud to serve those who have served our country and are honored to have served over 200 veteran/militray familes. Whether you’re buying your first home, selling your current home, PCSing, or relocating, we understand your unique needs and guide you every step of the way.

We help veterans understand and access their VA home loan entitlement—often with no down payment and favorable terms—making homeownership more achievable.

Key points veterans should know: The VA requires no minimum credit score (lender credit score overlays may apply), updated home appraisal and WDI (termite) inspection are required, and the lender, and real estate professional you choose matters.

Selling as a veteran or while on active duty? We know the local market, marketing strategies, and negotiation techniques to help you sell efficiently and for top value.

United States Marine in Dress Blues - Veterans Real Estate Support

Communities We Serve

San Antonio
Military City USAHome of Joint Base San Antonio
Cibolo
Schertz
New Braunfels
Converse
Canyon Lake
Alamo Ranch
Universal City
Garden Ridge
Bulverde
Spring Branch
Boerne
Alamo Heights
Live Oak
Helotes

KEITH & SHEILA'S REAL ESTATE BLOG

feature image of Your Roadmap to Homeownership — Built for Veterans & First-Time Buyers
Your Roadmap to Homeownership — Built for Veterans & First-Time Buyers
  YouTube Short Ready to make your VA Homeownership Dreams a reality?Join our next Veteran & First-Time Home Buyer Zoom Seminar — hosted by Keith & Sheila Realty Group and UMortgage. Watch on YouTube Contact Us Register for VA Buyers Zoom 🪖 Veteran-Focused 🎥 Live on Zo
feature image of Texas Homeowners Insurance Considerations
Texas Homeowners Insurance Considerations
Texas Homeowners Insurance Considerations What’s covered, what’s not, and how to protect your largest investment in San Antonio, Cibolo, Schertz, and New Braunfels. Last updated: Oct 30, 2025Author: Keith & Sheila Realty Group Schedule a 15-min Consult Check FEMA Flood Map 1) What’s Actual
feature image of Be Prepared - Avoid Winter Home-Selling Mistakes | San Antonio Area Realtor Tips
Be Prepared - Avoid Winter Home-Selling Mistakes | San Antonio Area Realtor Tips
Avoid These Common Mistakes When Selling Your Home During the Holidays and in Winter Months Smart strategies for pricing, presentation, and preparation to attract motivated buyers—even during the colder months in South Texas. 1Skipping Professional Representation FSBO can sound cost-effect
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What Our Clients Say 

Ethan Corriere

We had such a great experience working with Keith and Sheila. From the very beginning, Keith never pressured us and always made sure we felt comfortable every step of the way. He guided us with patience, honesty, and clear communication, which made the entire process so much less stressful. What really stood out was the personal touch — Sheila was incredible at keeping our kids busy while we focused on looking at homes. That extra effort meant so much to us as a family. We truly felt supported the whole way through, and it’s clear they both genuinely care about their clients. We would highly recommend Keith and Sheila to anyone looking for realtors who go above and beyond.

Santos Mosqueda

Mr and Mrs Campbell aka Keith and Sheila are the perfect example of a good realtor. They are very nice, humble and they will treat you like family. Thank you very much for helping me get our new home. My daughter and I are very happy on how you treated us. May God bless you and your family like we were blessed.

Tim Carnell

Keith & Sheila were absolutely amazing to work with. They were very informative and were always ready to answer any questions I had along the way.
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