San Antonio VA Loans

Make homeownership in San Antonio, Texas, a reality with Arnaiz Mortgage. Our team connects veterans and their eligible family members to the best VA home loans. Whether you’re a first-time home buyer or an existing homeowner searching for a refinance loan, our lenders offer customized service that puts your needs first.

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Our San Antonio VA Loan Options

Arnaiz Mortgage offers San Antonio buyers a variety of home loans that meet a wide range of home-buying needs.

San Antonio VA Mortgage Process

Our lenders make the San Antonio home financing process easy, ensuring veterans are informed and have the power to choose the right home loans.

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Unlock Home Ownership with San Antonio VA Loans

San Antonio homeownership can be a reality with Texas VA home loans. With our entire team of lenders experienced in veteran lending working for you, you can feel confident about the financing process.

San Antonio VA Loan Requirements

Qualifying for a Texas VA home loan includes the following:

  • A Good Credit Score: VA mortgage lenders may review an applicant’s credit score to determine eligibility. However, the VA home loan program tends to offer financing to eligible veterans, including those with less-than-perfect credit scores. Borrowers with less-than-perfect credit scores may still qualify for VA loans.
  • Service Requirements: To qualify for the VA loan program, borrowers must have served at least 90 continuous days.during wartime, 181 days active service during peacetime, or have at least six years of service in the National Guard or Reserves. The surviving spouse of a service member may also qualify for a VA loan.
  • Debt-to-Income (DTI) Ratio: VA loan borrowers must have a maximum DTI ratio of 41% on average. However, some private lenders may be willing to fluctuate on this requirement.
  • Property Type: VA loans are most commonly used to finance a single-family primary residence. However, manufactured condominiums and modular homes may also be available for VA loans. Multi-unit properties can also be used for VA home loans, as long as the purchase isn’t solely for investment.

If you’re on active duty or a United States military service veteran, you deserve easy access to home financing. Work with an Arnaiz Mortgage lender today to explore Texas VA loans.

VA Loan Assistance Programs in San Antonio

Many VA home loans offer 100% financing to eligible borrowers. However, buyers may still be subject to certain costs, including a funding fee.

VA loan assistance programs may be available to some San Antonio buyers and military families. The Military Homeownership Assistance Program offers active duty service members and veterans up to $5,000 to assist with closing costs, including the funding fee. The Texas State Affordable Housing Corporation (TSAHC) offers veteran assistance through the Homes for Texas Heroes Program.

Why Choose Arnaiz Mortgage for Your San Antonio VA Loan Needs?

Arnaiz Mortgage is committed to helping active-duty veterans and their eligible family members purchase their dream homes in San Antonio.  Our San Antonio, TX, VA lenders offer personalized customer service and competitive interest rates. 

Unlike other mortgage companies, we focus on the buyer, not the sale. Our team aims to make the VA loan process easy and convenient for our veteran clients. The path toward homeownership can be difficult for many veterans. Arnaiz Mortgage is here to connect you to the Veterans Administration resources you need to purchase a place to call home.

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Frequently asked questions about San Antonio VA Loans

  • How do I apply for a VA loan in San Antonio?

    Apply for a VA loan in San Antonio by working with a VA-approved lender. Obtain a Certificate of Eligibility (COE), get pre-qualified, and then begin shopping for your new San Antonio, Texas, home. The lender will complete the rest.

  • What is the VA loan limit in San Antonio?

    The current VA loan limit in San Antonio, Texas, is $766,550. Some veterans may be eligible to exceed this purchase price.

  • Are there any specific VA loan benefits for San Antonio veterans?

    The Veterans Administration (VA) home loan offers San Antonio, TX, buyers competitive financing with no down payment and a lower interest rate. Veterans eligible for a VA loan can also avoid premium monthly insurance, offering a more affordable mortgage payment.

  • How long does it take to get approved for a VA loan in San Antonio?

    Approval for a VA loan in San Antonio, Texas, can take between 21 and 60 days. However, the exact time it takes to determine VA eligibility may vary, depending on the lender.

  • What are the best VA loan lenders in San Antonio?

    The best VA lenders in San Antonio have experience working with the Veterans Administration to finance home loans. Choose a team familiar with the San Antonio, Texas, market and home financing specifically for active duty and veterans.

  • Can I use a VA loan to buy a home in San Antonio?

    Buyers with qualifying active-duty military service can use a VA loan to purchase a San Antonio, Texas home. A veteran loan may also be an option for buying a single-family, manufactured, or condo home.

  • What is the minimum credit score for a VA loan in San Antonio?

    The Veterans Administration doesn’t have a specific minimum credit score required to purchase in San Antonio, Texas. However, most Texas lenders will factor in credit score when determining loan eligibility and interest rate. A FICO score of at least 620 is usually needed to qualify for a competitive interest rate, but Arnaiz Mortgage can help people with a credit score as low as 500. 

  • How much can I borrow with a VA loan in San Antonio?

    The standard VA loan limit is currently $766,550. Some buyers may be eligible to exceed this purchase price with full entitlement. Loans that exceed the standard limit may require a down payment and have stricter eligibility requirements.

  • Are there any special VA loan programs for first-time homebuyers in San Antonio?

    Yes, special programs are available for Texas veterans who want to buy a home. Programs like the TDHCA My First Texas Home program can help San Antonio, TX, buyers cover closing costs or the VA funding fee.

  • What are the closing costs for a VA loan in San Antonio?

    VA loans don’t require a down payment but are still subject to closing costs. Texas VA loans may need between 1% and 6% of the home sales price in closing costs. This includes the VA funding fee and a one-time payment to support VA benefits.

  • Can I refinance my home in San Antonio with a VA loan?

    Yes, eligible veterans can refinance their homes for up to 100% of their value through the Veterans Administration program. Even with 100% financing, eligible borrowers won’t have to pay a down payment or private mortgage insurance. They will still need to complete the requirements of a VA loan, including obtaining a VA certificate prior to the home-buying process.