VA Home Loans in San Antonio

• $0 down — Qualified veterans, service members, and surviving spouses can buy with no down payment — the single most powerful wealth-building tool most military families own.
• No private mortgage insurance — Conventional buyers under 20% down pay PMI every month. VA buyers do not — that difference alone can run to hundreds a month.
• A benefit that reloads — Use it, pay the loan off, and your entitlement restores. PCS to San Antonio on your second or third use is normal — we plan for it.
• Assumable — A qualified buyer can assume your VA loan later — a genuine selling advantage when you PCS out.
• Guardrails, not traps — VA appraisals enforce Minimum Property Requirements, so the home's safety and soundness get a second set of eyes that works for you.

Eligibility turns on service: generally 90 continuous days of active duty for today's service members; 90 days wartime or 181 days peacetime for veterans, with an honorable or general discharge; six years for Guard and Reserve members (or 90 days of Title 10 active duty); and unremarried surviving spouses of those who died in service or from a service-connected disability. The document that proves it is your Certificate of Eligibility (COE) — a VA-experienced lender can pull it from the VA portal in minutes, and it states your exact remaining entitlement.

The funding fee — the program's one-time cost — runs 2.15% on a first-use zero-down purchase in 2026 (3.30% on subsequent use), can be financed into the loan, and is waived entirely for veterans with a service-connected disability rating of 10% or higher. Full table, every loan type: our complete VA Loan Guide.

THE COMPLETE VA LOAN GUIDE →

• Sellers here know VA — In Military City USA, a VA offer is not an exotic instrument — but an unprepared one still loses. A complete pre-approval and a clean file make your offer read as strength.
• The appraisal has a rhythm — VA appraisals run on VA timelines and VA property standards. We write contract timelines that respect both, so a slow appraisal never torpedoes a report date.
• New construction loves VA buyers — Builders on the west and northeast corridors work with VA financing constantly — and in a buyer's market, builder concessions can cover much of your closing cost column.

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Educational content only — not a loan offer or commitment to lend. Rates and programs change daily. Confirm current terms with a licensed lender. Infinity Family Properties & Associates is a real estate brokerage, not a lender.