Home to the Army Medical Department Center & School and Brooke Army Medical Center. We offer VA loans with no minimum credit score and zero down payment for Fort Sam Houston soldiers and families.
The VA sets no minimum — and neither do we.
VA Guidelines As Written
While most lenders add 620+ credit score overlays, we follow the VA handbook exactly as written — focusing on your residual income, payment history, and overall financial health. We've approved veterans with scores below 500.
Pull your COE and get pre-approved using your gaining-station BAH from your orders — before you ever set foot in San Antonio.
Go under contract with a San Antonio-savvy agent who knows VA Minimum Property Requirements near Fort Sam Houston's gates.
Appraisal completes and underwriting clears — we coordinate around medical training schedules and PCS dates, not bank hours.
We work to close on or before your report date so you're not paying for temporary lodging and a mortgage at once.
Settle in near Fort Sam Houston with $0 out of pocket and your BAH going toward equity instead of rent.
We aren't just another mortgage company. We are the only lender in Texas that follows the VA handbook as written — no credit score overlays, no unnecessary barriers, no wasted time.
Join Fort Sam Houston soldiers and families who used their benefit to buy a home in the San Antonio area — with $0 down and no minimum credit score.
Get Your Fort Sam Houston VA Approval Today ★Or call us directly
254-AVA-LOAN (254-282-5626)