VA Home Loan Entitlement
How Does a VA-Backed Home Loan Work?
With a VA-backed home loan, we guarantee (or stand behind) a portion of the loan you get from a private lender. If your VA-backed home loan goes into foreclosure, the guaranty allows the lender to recover some or all of their losses.
Since there’s less risk for the lender, they’re more likely to give you the loan under better terms. Nearly 90% of VA-backed loans require no down payment.
- High enough credit score - The VA does not have credit score or DTI (Debt to Income) requirements, but originating lenders can put requirements (overlays) in place
- Updated home appraisal (an expert estimate of your home’s value)
- Updated WDI (Termite) Inspection required
VA Loan Types & Eligibility
Purchase Loan: Looking to buy a home? VA-backed purchase loans offer better terms than private-lender loans.
Interest Rate Reduction Refinance Loan (IRRRL): Reduce or stabilize your monthly payments on an existing VA-backed loan.
Cash-Out Refinance Loan: Take cash out of your home equity to pay off debt, fund school, or cover other needs.
Eligibility Requirements
Learn about VA home loan eligibility requirements for a VA direct or VA-backed loan. Request a Certificate of Eligibility (COE) to show your lender that you qualify based on service history and duty status.
Keep in mind that for a VA-backed home loan, you’ll also need to meet your lender’s credit and income requirements.
Can I Get a Certificate of Eligibility?
You may be able to get a COE if:
- You did not receive a dishonorable discharge
- You meet the minimum active-duty service requirement based on when you served
Veteran Advocates Serving Greater San Antonio
San Antonio Veteran Realtor for VA Buyers, Sellers & JBSA Military Families
Buying or selling a home with VA benefits takes more than opening doors. Keith & Sheila Realty Group helps veterans, active-duty military, and PCS families make confident real estate decisions across San Antonio, JBSA, Cibolo, Schertz, New Braunfels, and surrounding communities.
Why Veterans Choose Us
- U.S. Army Veteran-led guidance
- VA loan and PCS relocation experience
- 275+ veteran and military families served
- 320+ total real estate transactions
- $110M+ in closed sales
- Former Texas professional home inspector
- Trusted advocates and fiduciaries
A San Antonio Veteran Realtor Who Understands the Mission
Whether you are using your VA loan benefit for the first time, PCSing to Joint Base San Antonio, selling before your next assignment, or relocating after retirement, you deserve guidance from a real estate team that understands military life, VA financing, inspections, negotiations, and local San Antonio neighborhoods.
As a San Antonio Veteran Realtor team, Keith & Sheila Realty Group helps veterans and active-duty families protect their interests from the first conversation to closing day.
We Help Veterans Buy, Sell & Relocate Across San Antonio
VA Home Buyers
We help VA buyers understand eligibility, lender strategy, inspections, appraisals, closing costs, seller concessions, and how to compete with confidence.
Military Sellers
If you are selling because of PCS orders, retirement, relocation, or life changes, we help you price, prepare, market, negotiate, and close with less stress.
JBSA Relocation
We assist families moving near Randolph AFB, Lackland AFB, Fort Sam Houston, Camp Bullis, and the surrounding San Antonio communities.
Popular Areas for Veteran & Military Buyers
We help military and veteran families compare commute, schools, home values, new construction, resale options, and long-term resale potential throughout Greater San Antonio.
Why VA Buyers Need the Right Realtor
VA buyers need an agent who understands VA appraisals, property condition concerns, seller concessions, funding fees, lender coordination, and how to structure an offer that protects the buyer.
Keith’s background as a former Texas professional home inspector gives our clients another level of protection when evaluating homes.
Selling a Home as a Veteran?
We combine strategic pricing, professional HDR photography, video, digital marketing, social media exposure, print marketing, MLS exposure, and negotiation guidance to help sellers compete.
Our goal is simple: help you protect your equity, reduce stress, and make the strongest move possible.
San Antonio Veteran Realtor FAQs
What is a Veteran Realtor?
A Veteran Realtor is a real estate professional who either served in the military or specializes in helping veterans and military families buy, sell, and relocate. Keith is a U.S. Army Veteran and helps VA buyers and sellers across San Antonio.
Do you help VA buyers near JBSA?
Yes. We help VA buyers and active-duty military families near Randolph AFB, Lackland AFB, Fort Sam Houston, Camp Bullis, and other areas around Joint Base San Antonio.
Can I buy a home in San Antonio with no down payment using a VA loan?
Many eligible VA buyers can purchase with no down payment, depending on loan approval, entitlement, property eligibility, and lender requirements. We help connect buyers with experienced VA lenders.
Do veterans have to pay the VA funding fee?
Some veterans pay a VA funding fee, but eligible veterans with qualifying service-connected disability benefits and certain Purple Heart recipients may be exempt. A VA-experienced lender can verify your situation.
What areas do you serve?
We serve San Antonio, Cibolo, Schertz, New Braunfels, Live Oak, Converse, Alamo Ranch, Bulverde, Spring Branch, Saint Hedwig, Marion, and surrounding Greater San Antonio communities.
Ready to Work With a San Antonio Veteran Realtor?
Whether you are buying with a VA loan, selling before a PCS move, or relocating to Joint Base San Antonio, we are here to help you move with confidence.
Schedule a Quick Consultation
Talk directly with Keith & Sheila about buying, selling, or relocating in the San Antonio area. Get clear answers, expert strategy, and next steps in just minutes.
Get Your BAH
Planning a PCS to JBSA, Randolph, Lackland, or Fort Sam Houston? One of the most important numbers you need to understand is your 2026 Basic Allowance for Housing (BAH).
Your BAH helps determine: What price range you may comfortably afford Which neighborhoods near JBSA fit your budget Whether buying vs renting makes sense How your VA loan works with your monthly payment But here’s the reality most military buyers don’t realize: BAH alone doesn’t tell the full story.
Property taxes, insurance, interest rates, and location all play a major role in what your true monthly payment looks like in the San Antonio market.
Certificate of Eligibility (COE)
Ready to get your COE and start your VA-backed home loan process? Click below to request your Certificate of Eligibility.
Request Your COEGet Your DD214
Need a copy of your military service record? Click below to access your DD214 and other service documents.
Get Your DD214AFFORDABILITY CALCULATOR
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