First United Bank & Trust

Phone: 210-619-2690


San Antonio VA Loans

San Antonio VA loanSan Antonio is a hub for military activity in Texas. Home of Brooks City-Base, Lackland Air Force Base, Randolph Air Force Base and Fort Sam Houston, finding military housing may be a challenge for some families. While San Antonio offers a lower cost of living than most metropolitan areas its size, it also offers plenty of opportunities for servicemembers to purchase a home with a Texas VA loan.

Am I Eligible for a VA Loan?

In order to be eligible for a VA loan, you must first get a VA Certificate of Eligibility. You must also pass certain income, credit, debt-to-income ratio requirements as well. The basic requirements for San Antonio VA loan eligibility are:

  • You must be a United States Veteran, Active Duty Servicemember, Reserves Member, National Guard Member or Surviving Spouse
  • Veterans must have served a minimum of 90 days during specific wartimes or 180 days during peacetimes, or 24 continuous months between 9/7/1980 and today
  • Reserves Members & National Guard must have served a minimum of 6 years
  • All discharges must have been other than dishonorable

Is there really no down payment?

Yes, if you qualify for a VA loan in San Antonio, there is no down payment, as long as the home is within the current VA loan limits for the county, which is $417,000. You can still obtain a VA loan for more than $417,000; however you will need a down payment for home loans over this amount.

Apply for a VA Loan in San AntonioHow do I get a VA loan in San Antonio?

Jennifer Guidry can help you obtain a VA loan in San Antonio by working with you to get your VA Certificate of Eligibility as well as helping you determine if your credit and debt-to-income ratio qualifies. You can get a free VA loan rate quote by simply filling out Jennifer’s secure online mortgage application. Have more questions? Contact her today!

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Patriot Act Agreement:
In accordance with Federal regulations set forth in the USA Patriot Act, First United Bank Mortgage is required to verify the identity of any person applying for a mortgage loan to the extent reasonable and practicable, and maintain records of the information used to verify their identity. During your mortgage loan application process, we will require your name, current and past home addresses, date of birth, and other identifying information about you.