Grove Mortgage Home Loans in San Antonio, Texas
Celebrating 18 years of Mortgages in Texas!

VA Home Loans in San Antonio, TX

Low VA mortgage rates for Veterans and Active Military.

Grove Mortgage is the preferred VA mortgage lender in San Antonio, TX.

Veterans and Active Military can qualify for a Texas VA home loan with $0 down payment and no PMI (private mortgage insurance)!

VA Loans help Service Members, Veterans, and eligible surviving spouses become homeowners. The Veterans Administration (VA) guarantees a portion of the loan, enabling the lender to provide you with more favorable terms than most loans available. VA Home Loans are provided by private lenders, such as banks and mortgage companies and the VA does not lend money itself. The VA loan guaranty is the "insurance" that they provide the lender.

If you qualify under the guidelines, you can buy a home with a lower interest rate than conventional fixed-rate mortgage. Learn about difference between a VA Loan and a Texas Vet VA Loan.

VA home loans in San Antonio, Texas

Why choose Grove Mortgage for your VA home loan?

Over the last 18 years VA Loans have accounted for 95% of our business, choose a VA loan expert!

Our headquarters is located in San Antonio, Texas and are a VA Approved lender and Licensed Mortgage Broker and have been specializing in VA Loans throughout Texas since 2002.

We can help you accomplish your home purchase with expert service, fast closing and very low fees and proudly boasts an A+ rating from the Better Business Bureau.

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What Are the Benefits of a San Antonio VA Loan?

  • 100% financing available with No down payment required as long as the sales price doesn't exceed the appraised value
  • No PMI (private mortgage insurance premiums)
  • VA Appraisal makes sure the property is worth what you’re paying for it and also ensures the property is Safe, Sound and Sanitary
  • Home Retention Help in the event of a financial difficulties down the road
  • State and Local Benefits – Possible Tax benefits for Disabled Veterans
  • Closing costs may be paid by the seller (up to 4% plus the Owners title policy)
  • Buyer informed of reasonable value from the appraisal of the property.
  • VA Appraisal makes sure the property is worth what your paying for it and also ensures the property is Safe, Sound and Sanitary
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5% and exemption for veterans receiving VA compensation).
  • You don't have to be a first-time home buyer
  • Competitive Interest Rates
  • VA rules limit the amount you can be charged for closing costs
  • Ability to finance the VA funding fee and exemption for veterans receiving VA compensation
  • VA-backed loans are assumable, as long as the person assuming the loan qualifies
  • Right to prepay without penalty
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder

Learn about Disabled Veterans benefits for VA Loans

VA Loan home purchase options

VA home loans can be used to:

  • Buy a home, a condominium unit in a VA-approved project
  • Build a home
  • Simultaneously purchase and improve a home
  • Buy a manufactured home

VA home loans are Assumable under certain conditions

Which means if you decide to sell your property, the buyer may take over your mortgage with the same interest rate and payments -- a good selling point. The buyer who assumes the loan does not have to be a veteran. The VA loan often is a very cost-effective alternative for veterans or current military personnel.

Loan Limits and Ratios

Their are limits on the amount you can finance. But there is greater flexibility for the payment of closing costs: the seller is allowed to pay all discount points and other closing costs.

Currently the maximum loan amount is $726,200 in Texas without it being a Jumbo VA Loan.

Jumbo VA Home Loans

Jumbo VA Loans also know as High Balance VA Loan, and are for Texas Veterans who are wanting to use their VA benefit purchase a primary residence that exceeds the $726,200 conforming loan limit. We offer excellent interest rates on VA Jumbo Loans in Texas.

There is no maximum VA loan amount set by the government. The first type of loan limit is for Veterans that have full entitlement. The second loan limit is for Veterans who are using partial entitlement.

Down payment requirements of a Texas Jumbo VA Loan.

Veterans with full entitlement can borrow as much as a lender is willing to lend without the need for a down payment.

The differences with a full entitlement VA Loan and the partial entitlement VA Jumbo loan is if the Veteran has previously used their VA Eligibility.

If you have full entitlement available and want to purchase a home, there is now no loan limit under the Federal VA Loan program.

If you have partial entitlement available and want to purchase another home using your VA eligibility, there may be a loan limit and possibly a down payment will be required under the Federal VA Loan program.

Please give us a call and we will walk you through all the program guidelines and answer all of your questions.

VA Loan Certificate of Eligibility (COE) and The VA Funding Fee

The Veterans COE and VA Funding Fee are two items that are very important in the home buying process
because they let the lender know the amount of VA Eligibility you have and if do qualify for
Exemption from the Funding Fee due to a service-connected disability.

VA Loan Certificate of Eligibility (COE)

The VA Certificate of Eligibility from the VA is one of the most important required document that will be needed for a new VA loan or a VA Refinancing loan. The VA Certificate of Eligibility (COE), is a document from the VA that provides the Veterans available eligibility amount for the VA Loan Program and if the Veteran is exempt from the VA Funding Fee.

You may also be determined eligible for a VA Loan if you:

  • Are an nu-remarried spouse of a veteran who died while in service or from a service connected disability
  • Are a spouse of a service person missing in action or a prisoner of war

How do I get a my Certificate of Eligibility?

We can obtain a Certificate of Eligibility for you by using ACE (Automated Certificate of Eligibility). ACE is a web-based application that is able to determine the Veterans eligibility and issue an online Certificate of Eligibility in a matter of seconds

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VA Funding Fee for Texas VA Loans

Generally, all Veterans using the VA Home Loan Guaranty benefit must pay a funding fee. This reduces the loan's cost to taxpayers considering that a VA loan requires no down payment and has no monthly mortgage insurance. The funding fee is a percentage of the loan amount which varies based on the type of loan and your military category, if you are a first-time or subsequent loan user, and whether you make a down payment. You have the option to finance the VA funding fee or pay it in cash, but the funding fee must be paid at closing time.

The following do NOT pay the VA funding fee:

  • Veteran receiving VA compensation for a service-connected disability;
  • Veteran entitled to receive VA compensation for a service-connected disability, but receives retirement pay or active service pay;
  • Surviving spouse of a Veteran who died in active service or from a service-connected disability;
  • Servicemember on Active Duty who provides, on or before date of loan closing, evidence of having been awarded the Purple Heart.

In Public Law 116-23, Congress has established rates for loans closed on or after April 7, 2023, and before November 14, 2031 at the levels listed below:

2023 VA Funding Fee Tables

Purchase and Construction Loan

Note: Reduced fees only apply to purchase loans with a down payment of at least 5 percent.

Type of Veteran Down payment Percentage for First time Use Percentage for Subsequent Use
Active Duty**,
Reserves, & National Guard
None 2.15% 3.3% *
5% or more 1.5% 1.5%
10% or more 1.25% 1.25%

Cash-Out/Regular Refinancing Loan

Note: See above table for reduced fees on loans with a down payment of at least 5 percent.

Type of Military Service Percentage for First time Use Percentage for Subsequent Use
Active Duty**, Reserves, &
National Guard
2.15% 3.3% *

* If the Veteran's only prior use of entitlement was for a manufactured home loan, the higher subsequent use fee does not apply.

** Active Duty includes Reserves and National Guard ordered to active service that meets the eligibility requirements for their era of service (
Active service does NOT include active duty for training.

VA IRRRL and other Loan Types

Other Types of Loans Percentage
Interest Rate Reduction Refinance Loan (IRRRL) .50%
Manufactured Home Loans (NOT permanently affixed) 1.00%
Loan Assumptions .50%
Native American Direct Loan (NADL) 1.25%
Native American Direct Loan (NADL) Refinance Loan .50%
Vendee Direct Loan 2.25%

Note: A list of Tribes participating in the NADL Program is at

Celebrating 18 years of providing $0 down VA loans, FHA loans & Jumbo loans in Texas

Every client's situation is different and handled with a unique, personalized approach. As a San Antonio, Texas based Mortgage Broker we we have unlimited flexibility to shop the entire lender market which allows us to provide significant pricing advantages over banks and credit unions to secure often hard-to-find financing that a lot of lenders don’t even offer.


Buy a home or refinance your mortgage with the best Mortgage Broker in Texas.

If you are in the Dallas–Fort Worth–Arlington, TX metroplex area please see our new Grove Mortgage home loans in Dallas page.

Grove Mortgage Home Loans of San Antonio