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    For San Antonio Agents

    A VA Lender Your Military Buyers Can Close With

    Veteran-owned, VA-first, zero lender fees, and an average 21-day close for JBSA families.
    ✓Veteran-Owned
    ✓Top 1% Nationwide
    ✓2,500+ Families Served
    The Short Answer

    Why Agents Send Us Their VA Buyers

    Valor Home Mortgage is a veteran-owned lender in San Antonio, TX that specializes in VA loans for Joint Base San Antonio families. Agents partner with us because VA files here are routine rather than rare: pre-approvals same day, no lender fees, a 500 minimum FICO, and an average closing of about 21 days that survives a PCS report date.

    What Partnership Looks Like

    PCS-Speed Closings

    Military buyers arrive on orders, not on a leisurely timeline. Our average VA closing runs about 21 days, so your contract dates hold when report dates do not move.

    Pre-Approvals Your Listing Agents Trust

    Credit, income, and asset documents are reviewed up front — not after a contract. Offers you write on our letter get taken seriously in multiple-offer situations.

    Zero Lender Fees, VA-First

    No lender origination, processing, or underwriting fees on our VA loans, and a 500 minimum FICO. Fewer cash-to-close surprises means fewer deals falling apart at the table.

    Co-Hosted Buyer Education

    We will run VA homebuying classes at your office or on base with your branding alongside ours, and answer entitlement and appraisal questions live for your clients.

    How A Referral Works

    1

    Send the introduction

    Text or email your buyer's name and best contact number. We reach out the same day, usually within the hour during business hours.

    2

    Pre-qualification in five minutes

    We pull the Certificate of Eligibility, review income and credit, and issue a pre-approval letter you can attach to an offer.

    3

    You get status, not silence

    You are copied on milestone updates: appraisal ordered, appraisal received, conditional approval, clear to close. No chasing.

    4

    Close and stay in the loop

    After closing we keep your name attached to the client for refinance and second-home conversations. Your referral stays your referral.

    Send These To Your Buyers

    Free, no-signup resources your military clients can read before they tour homes.

    San Antonio VA Loan HubBAH vs. Buying by Pay GradeBAH Buying Power CalculatorPCS Timeline PlannerVA Loan Process Step-By-Step2026 VA Loan LimitsVA Loan Closing CostsVA Appraisal Explained
    FAQs

    Agent Questions About VA Financing

    Quick Answer

    Yes. Valor Home Mortgage is a veteran-owned, VA-first lender in San Antonio and most of our purchase volume comes through partner agents. We provide same-day pre-approvals, direct access to the loan officer by cell, and milestone updates to the agent throughout the file.

    Yes. Valor Home Mortgage is a veteran-owned, VA-first lender in San Antonio and most of our purchase volume comes through partner agents. We provide same-day pre-approvals, direct access to the loan officer by cell, and milestone updates to the agent throughout the file.

    A pre-qualification takes about five minutes by phone, and a documented pre-approval letter is typically issued the same business day once income and credit documents are in.

    VA appraisals are ordered through the VA portal and typically add a few days versus conventional. We order them the moment the contract is executed and flag Tidewater or repair issues to the agent immediately instead of at the deadline.

    A seller may pay all of a veteran's allowable closing costs plus up to 4% of the value in concessions such as prepaids or debt payoff. That flexibility is useful when writing competitive offers for military buyers.

    Yes, when the file is prepared. A fully documented pre-approval, realistic appraisal expectations, and a 21-day closing timeline put VA offers on much closer footing than the reputation suggests.

    No. RESPA prohibits paying for referrals, and we do not. What partners get is speed, communication, co-hosted education, and buyers who actually close.

    Valor Home Mortgage · San Antonio, Texas

    Serving San Antonio, TX and Joint Base San Antonio — Lackland, Randolph, Fort Sam Houston and Camp Bullis(678) 488-0608jonathan@valorhomemortgage.comMon-Fri 8:00am-6:00pm CT, Sat 9:00am-2:00pm CT

    Loans originated by Jonathan Mullins, Founder & Chief Mortgage Officer — NMLS #94015 · U.S. Army Veteran · 23+ years in mortgage lending. Company NMLS #1904516.

    Let's Get Your Next VA Buyer Closed

    Fifteen minutes on the phone is enough to see how we handle military files.

    Proudly Serving Military Families Since 2019

    Reviewed by Jonathan Mullins, Founder & Mortgage Loan Originator, NMLS #94015Last updated