VA Loans in Texas
I am Patrick Kevin Fagan, a mortgage loan officer who works with veterans and military families across Texas. This page is the starting point for understanding the VA loan, from eligibility and benefits to the funding fee and closing, written in the same plain language I use on every call.
San Antonio is home to one of the largest military communities in the country, and I help PCS families and veterans buy here every year. Start with the steps below, then book a call and we will run your situation together.
What a VA Loan Gives You
The Core of the VA Mortgage in Texas
Zero Down
Qualified veterans can buy with no down payment using a VA home loan.
No Monthly Mortgage Insurance
VA loans do not carry the monthly private mortgage insurance most other low-down-payment loans require.
Funding Fee
Most VA loans include a funding fee unless waived; disabled veterans may qualify for an exemption.
For Primary Residences
VA loans are designed for your primary home, with special rules for acreage, new builds, and more.
Follow the Steps in Order
From Eligibility to Keys, Step by Step
Each step below links to a full guide I wrote for veterans, in the order you should read them.
1. Eligibility
Who can use a VA loan, how service and discharge affect eligibility, and how to get your Certificate of Eligibility.
2. Benefits and the Buying Process
What the VA loan actually gives you, how the process works from pre-approval to keys, and what to know about the funding fee.
3. Combining VA With Down Payment Assistance
Veterans can often pair a VA loan with down payment assistance to reduce cash to close even further.
4. Related VA Questions
VA versus FHA, buying near JBSA, acreage rules, investment properties, and house hacking with a VA loan.
Ready to use your VA loan benefit?
Book a free discovery call and we will check your eligibility, walk through the funding fee, and build a plan for your Texas home purchase. Prefer to talk now? Call or text 210-317-6514.
Back to all mortgage services with Patrick Kevin Fagan, including Texas down payment assistance and the San Antonio mortgage guide.
