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    Schertz · Guadalupe County

    VA Loans in Schertz, TX

    Zero Down. No PMI. No Lender Fees. Closings in About 21 Days.
    ✓Veteran-Owned
    ✓Top 1% Nationwide
    ✓2,500+ Families Served
    The Answer

    Buying a Home in Schertz With a VA Loan

    Schertz is the default choice for a lot of Randolph and Fort Sam families, and a VA loan lets you buy there with zero down payment and no monthly mortgage insurance. We are a veteran-owned mortgage company and VA loans are what we do every day.

    Schertz sits directly between JBSA-Randolph and JBSA-Fort Sam Houston, which is why it is one of the most common landing spots for military families PCSing to San Antonio.

    Local Market

    What VA Buyers Should Know About Schertz

    Northeast San Antonio metro · Guadalupe County

    Between two installations

    Short drives to both JBSA-Randolph and JBSA-Fort Sam Houston along I-35 and FM 3009.

    Heavy military population

    A large share of Schertz households are active duty, retired, or Department of Defense civilians, so sellers and agents here understand VA offers.

    Newer construction

    Ongoing residential development means newer homes that typically clear VA minimum property requirements without repair negotiations.

    Guadalupe County

    Outside Bexar County lines, with its own county tax and appraisal structure to factor into your payment estimate.

    Who Buys Here

    Schertz Military Buyers

    Airmen and soldiers assigned to Randolph or Fort Sam, retirees staying in the area after separation, and DoD civilians who want one address that works for either installation.

    School Districts
    • Schertz-Cibolo-Universal City ISD
    • Comal ISD (portions)
    Nearest Installations

    Bases Near Schertz

    JBSA-Randolph

    Northeast San Antonio

    VA loans near Randolph →

    JBSA-Fort Sam Houston

    Northeast San Antonio

    VA loans near Fort Sam Houston →

    FAQs

    Schertz VA Loan Questions

    Quick Answer

    Yes. With full VA entitlement there is no VA loan limit and no down payment required on a primary residence in Schertz. You will still need to qualify on income, credit, and the home must pass a VA appraisal.

    Yes. With full VA entitlement there is no VA loan limit and no down payment required on a primary residence in Schertz. You will still need to qualify on income, credit, and the home must pass a VA appraisal.

    Schertz is closer to JBSA-Randolph, which borders the city's southwest side. JBSA-Fort Sam Houston is farther but still a routine commute down I-35, which is why many families choose Schertz when they expect to serve at either installation.

    If you have full entitlement, there is no loan limit on a VA purchase in Schertz or anywhere else. Loan limits only come into play if you have a prior VA loan still outstanding or a previous VA foreclosure.

    Our average VA loan closing is about 21 days, which matters when you are working backward from a report date.
    Keep Exploring

    Other Areas We Serve

    Shopping more than one part of the San Antonio metro? These are the communities military families ask about most.

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    Related Resources

    Bases, Counties and Schools Near Here

    How this community connects to JBSA commutes, county loan limits, and school district guides.

    Bases Nearby

    County VA Loan Limits

    School District Guides

    Nearby Communities

    Your Situation

    Ready To Buy in Schertz?

    Get pre-qualified in about five minutes and shop with a real number in hand.

    Proudly Serving Military Families Since 2019

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