VA Home Loans in Texas
Using Your VA Benefit in Texas
Valor Home Mortgage is a veteran-owned VA lender headquartered in San Antonio, TX and licensed across Texas. There is no VA loan limit with full entitlement, we charge zero lender fees, we go down to a 500 FICO, and we average about 21 days to close.
Texas is our home market and the largest military state in the country by active-duty population. We originate VA purchases and refinances statewide — from Joint Base San Antonio and all of its annexes, to Fort Cavazos, Fort Bliss, Naval Air Station Corpus Christi, Dyess, Sheppard, Goodfellow, Laughlin, and the Houston and DFW reserve communities.
Texas Military Installations
Home base. Military City USA and every major post in the state.
JBSA-Lackland
Southwest San Antonio (Bexar County)
Air Force Basic Military Training, 37th Training Wing, and the Kelly Field Annex. Closest inventory sits on the far west and southwest sides.
VA loans near JBSA-Lackland
JBSA-Randolph
Universal City / Schertz (Bexar & Guadalupe Counties)
12th Flying Training Wing and Air Education and Training Command. Schertz, Cibolo, Universal City and Converse are the standard commutes.
VA loans near JBSA-Randolph
JBSA-Fort Sam Houston
Northeast San Antonio (Bexar County)
Army North, Army South, the Medical Center of Excellence, and Brooke Army Medical Center. Popular with medical personnel and Army retirees.
VA loans near JBSA-Fort Sam Houston
JBSA-Camp Bullis
North Bexar County / Hill Country edge
Field training and medical readiness site north of Loop 1604. Stone Oak, Helotes, Fair Oaks Ranch, Bulverde and Boerne are the common buy zones.
VA loans near JBSA-Camp Bullis
Kelly Field Annex
Southwest San Antonio
Flightline annex of JBSA-Lackland, home to the 149th Fighter Wing, Texas Air National Guard.
Camp Stanley Storage Activity
Boerne Stage Road, north Bexar County
Adjacent to Camp Bullis; staff typically buy in Fair Oaks Ranch, Boerne and Bulverde.
Martindale Army Airfield
East San Antonio
Texas Army National Guard aviation facility on the east side of Bexar County.
Brooke Army Medical Center (BAMC)
JBSA-Fort Sam Houston
The DoD's largest inpatient hospital and only Level I trauma center — a major driver of medical-provider buyers on the northeast side.
Wilford Hall Ambulatory Surgical Center
JBSA-Lackland
Air Force outpatient medical hub on Lackland, staffing many southwest-side buyers.
Fort Cavazos
Killeen / Copperas Cove / Harker Heights
III Armored Corps and 1st Cavalry Division — the largest active-duty armored post in the country.
Fort Bliss
El Paso
1st Armored Division and a major mobilization hub, with William Beaumont Army Medical Center nearby.
NAS Corpus Christi & NAS Kingsville
Coastal Bend
Naval aviation training commands plus the Corpus Christi Army Depot.
Dyess AFB / Sheppard AFB / Goodfellow AFB / Laughlin AFB
Abilene, Wichita Falls, San Angelo, Del Rio
Bomber, technical, intelligence and pilot training wings across West and North Texas.
Ellington Field JRB & NAS JRB Fort Worth
Houston and Fort Worth
Reserve and Guard flying units supporting the two largest metros in the state.
Where Texas Military Families Buy
San Antonio
Our headquarters and the JBSA metro
Schertz & Cibolo
Randolph and Fort Sam commutes
New Braunfels
Between San Antonio and Austin
Boerne & Fair Oaks Ranch
Hill Country north of Camp Bullis
Killeen / Harker Heights
Fort Cavazos
El Paso
Fort Bliss
Houston
Ellington Field and the Gulf Coast reserve community
Dallas–Fort Worth
NAS JRB Fort Worth and a large veteran population
Corpus Christi
NAS Corpus Christi and the Army Depot
Austin
Camp Mabry and a fast-growing veteran tech workforce
Texas VA Loan Limits in 2026
Most Texas counties use the 2026 baseline conforming figure of $832,750, and the San Antonio metro counties — Bexar, Comal, Guadalupe, Kendall and Wilson — are all at baseline. That number only limits VA borrowers with partial entitlement.
Texas is our home state
We are headquartered in San Antonio, so we know JBSA gate traffic, ISD boundaries, MUD and PID districts, and which appraisers actually turn work around.
No state income tax, higher property tax
Texas funds schools through property tax, so your escrow matters as much as your rate. We underwrite the full payment, not just principal and interest.
Texas home equity rules
Texas has unique constitutional rules on cash-out on a homestead. We structure VA cash-out and IRRRL files to stay compliant with them.
Texas VA Loan Questions
Quick Answer
Valor Home Mortgage is a veteran-owned VA lender headquartered in San Antonio, TX and licensed across Texas. There is no VA loan limit with full entitlement, we charge zero lender fees, we go down to a 500 FICO, and we average about 21 days to close.
VA Loans in Other States We Serve
Ready To Buy in Texas?
Get pre-qualified in about five minutes and shop with a real number in hand.
Proudly Serving Military Families Since 2019