INFINITY FAMILY PROPERTIES & ASSOCIATES · VA LOAN RESOURCE GUIDE

VA Loan Guide for Central Texas

Everything military families need to know about using your VA loan benefit in the Central Texas market — from eligibility to closing day.

🏦 VA LOAN BASICS

The benefit you earned

No Down Payment — Qualified veterans can purchase with $0 down — one of the most powerful benefits available.
No PMI — Unlike conventional loans, VA loans don't require private mortgage insurance, saving hundreds per month.
Competitive Rates — VA loans typically offer rates 0.25–0.5% lower than conventional loans (about 7.2% vs. 7.4% conventional as of October 2026 — ask Jenn Bailey for today's quote).
Flexible Credit — More lenient credit requirements than conventional loans — ideal for families rebuilding after deployments.
Lifetime Benefit — Your VA loan entitlement can be used multiple times and restored after paying off a prior VA loan.
Assumable Loan — VA loans can be assumed by a qualified buyer — a major selling advantage in a higher-rate environment.

💪 ELIGIBILITY REQUIREMENTS

Who qualifies

Active Duty

90 continuous days of active service
Valid Certificate of Eligibility (COE)
Sufficient remaining entitlement

Veterans

90 days wartime or 181 days peacetime service
Honorable or general discharge
COE from VA or lender

National Guard / Reserves

6 years of service, OR
90 days active duty under Title 10
Honorable discharge or still serving

Surviving Spouses

Unremarried spouse of veteran who died in service
Or died from service-connected disability
May also qualify if veteran is MIA/POW

📋 THE VA LOAN PROCESS — STEP BY STEP

Six steps to closing day

Get Your Certificate of Eligibility (COE) — Your lender can pull this directly from the VA portal in minutes. You can also request it at va.gov/housing-assistance.
Choose a VA-Experienced Lender — Work with Jenn Bailey at Unity Group Home Loans — our preferred partner with deep VA loan expertise and an experienced background contracting with the FBI for added security.
Get Pre-Approved — Pre-approval shows sellers you're serious and helps you move fast in competitive markets. Takes 1–3 business days.
Find Your Home — Work with Ian Alkire to find VA-eligible properties in Central Texas. Most single-family homes qualify; condos require VA approval.
VA Appraisal — The VA requires an appraisal by a VA-approved appraiser to confirm the home meets Minimum Property Requirements (MPRs).
Underwriting & Closing — Typically 30–45 days from contract to close. Ian's team coordinates every step to meet your PCS timeline.

💰 VA FUNDING FEE (2026)

One-time cost — can be rolled into the loan

Loan Type	First Use	Subsequent Use
Purchase (0% down)	2.15%	3.30%
Purchase (5–9% down)	1.50%	1.50%
Purchase (10%+ down)	1.25%	1.25%
Refinance (IRRRL)	0.50%	0.50%

💪 Veterans with a service-connected disability rating of 10%+ are EXEMPT from the funding fee.

OUR PREFERRED LENDER

Unity Group Home Loans

Jenn Bailey — Unity Group Home Loans

Jenn brings deep VA loan expertise and an experienced background contracting with the FBI — meaning your transaction is handled with the highest level of integrity. She understands military timelines and works fast.

CONTACT JENN VIA OUR VENDOR DIRECTORY →

Educational content only — not a loan offer or commitment to lend. Rates and programs change daily. Confirm current terms with a licensed lender.

Infinity Family Properties & Associates, 15126 Sirius Circle, San Antonio, TX 78245. 737-392-2812

FREQUENTLY ASKED QUESTIONS

VA loans, answered

What are the main benefits of a VA loan?

Qualified veterans can purchase with $0 down, no private mortgage insurance (PMI), competitive rates typically 0.25–0.5% lower than conventional loans, more lenient credit requirements, and the entitlement can be used multiple times. VA loans are also assumable by a qualified buyer.

Who is eligible for a VA loan?

Active duty service members with 90 continuous days of active service, veterans with 90 days wartime or 181 days peacetime service and an honorable or general discharge, National Guard/Reserves members with 6 years of service or 90 days active duty under Title 10, and unremarried surviving spouses of veterans who died in service or from a service-connected disability.

What are the steps in the VA loan process?

The process has six steps: (1) Get your Certificate of Eligibility (COE) — your lender can pull this from the VA portal in minutes. (2) Choose a VA-experienced lender. (3) Get pre-approved, which takes 1–3 business days. (4) Find your home with a VA-knowledgeable agent. (5) Complete the VA appraisal by a VA-approved appraiser to confirm Minimum Property Requirements. (6) Underwriting and closing, typically 30–45 days from contract to close.

What is the VA funding fee and who is exempt?

The VA funding fee is a one-time cost that helps sustain the VA loan program and can be rolled into the loan. For a first-use purchase with 0% down, the fee is 2.15%; subsequent use is 3.30%. With 5–9% down, the fee drops to 1.50%, and with 10%+ down it's 1.25%. Veterans with a service-connected disability rating of 10% or higher are exempt from the funding fee.

Can a VA loan be used more than once?

Yes. Your VA loan entitlement is a lifetime benefit that can be used multiple times. Entitlement can be restored after paying off a prior VA loan.