LRG Veteran Homefront: San Antonio VA & Military Homeownership Program

Written by: , Founder
Reviewed by: LRG Editorial Team
Updated on
LRG Veteran Homefront · JBSA · San Antonio

LRG Veteran Homefront: Your VA path to homeownership

Built by Veterans, for Veterans. Levi Rodgers founded LRG after 20 years as a Green Beret. We understand BAH, VA loan eligibility, and the PCS timeline. $0 down, no PMI, no guesswork.

Veteran-owned & operated · $0 down VA loan eligible
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What is your approximate credit score range?

Your best guess is fine. We do not pull credit.

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When are you looking to buy?

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Are you a Veteran or active-duty Military?

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What is your situation right now?

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Already working with an agent or lender?

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Where can we reach you?

A Veteran specialist on our team personally reviews every submission. No spam, no selling your info.

Your Personalized VA Path
Thank you for your service, here is your plan.

Based on your answers

We matched your situation to VA-specific programs and your timeline.
What happens now: Charles Clevenger or Pedro Solis, both Veteran specialists on the LRG team, personally review your info and reach out within one business day with a plan built for your VA eligibility and BAH situation.

While you wait

Learn more about your VA loan options or check homes near JBSA.

VA Loan Guide → Browse Homes Near JBSA

Free assessment. No credit pull. No obligation. Your information is not shared with third parties. Source page tracked for your specialist to have context on what you have been reading.

Why Veterans Choose LRG

A Veteran-owned team that speaks your language

Levi Rodgers, Founder
20 years U.S. Army Special ForcesGreen Beret. Multiple deployments. Built LRG after retiring because too many Veterans were getting bad real estate advice.
BAH-based qualificationLevi built the team around understanding military pay structures, not just civilian W-2s.
About Levi
Charles Clevenger, Veteran Specialist
Dedicated VA buyer agentCharles works exclusively with Veterans and active-duty Military buying in the San Antonio and JBSA corridor.
PCS timeline expertKnows how to compress the buying process when your report date is fixed.
Meet Charles
Pedro Solis, Veteran Specialist
Bilingual VA supportPedro serves Veterans and Military families in English and Spanish across San Antonio.
First-time VA buyer focusGuides first-time buyers through COE, pre-approval, and the VA appraisal process step by step.
Meet Pedro
VA Loan Advantages

What the VA loan gives you that other programs do not

$0 down payment
No down payment requiredThe VA loan is the only major mortgage program that finances 100% of the home price with no down payment for eligible Veterans.
No savings thresholdUnlike FHA (3.5% down) or conventional (3-5% down), VA does not require you to accumulate a down payment before buying.
No private mortgage insurance
No monthly PMIConventional loans under 20% down require PMI ($100-$300/month). FHA has MIP for the life of the loan. VA has neither.
Funding fee optionsVA charges a one-time funding fee (2.15% first use) that can be rolled into the loan. Disabled Veterans are exempt.
Competitive rates and flexible credit
Lower average ratesVA loans consistently carry rates 0.25-0.50% below conventional because the VA guaranty reduces lender risk.
No official minimum scoreThe VA itself sets no minimum credit score. Most lenders underwrite VA at 580-620, lower than conventional (620-640).
BAH-based qualification
BAH counts as incomeBasic Allowance for Housing is non-taxable but counts dollar-for-dollar toward your qualifying income for a VA loan.
Residual income testVA uses a residual income standard (money left after bills) instead of only debt-to-income ratio. This often qualifies Veterans for more than conventional DTI alone would allow.
JBSA & Fort Sam Houston

Buying near Joint Base San Antonio

Joint Base San Antonio combines Lackland AFB, Randolph AFB, Fort Sam Houston, and Camp Bullis under one command. LRG has placed Veterans and active-duty families in neighborhoods across all four installations since the team was founded.

The San Antonio housing market offers Veterans a significant advantage: the median home price sits well below the VA loan limit ($832,750 conforming for 2026), meaning most purchases qualify for $0-down VA financing without a jumbo overlay. Neighborhoods like Schertz, Cibolo, Converse, Live Oak, and Universal City sit within a short commute of JBSA installations and consistently fall in the $250K-$400K range.

If you are PCSing to JBSA, our team starts working your timeline backward from your report date. Charles and Pedro coordinate pre-approval, home search, and closing to land before you arrive, not after.

VA Eligibility

Who qualifies for the VA loan

Active-duty service members
90 continuous daysCurrently serving with at least 90 continuous days of active duty. Statement of Service from your CO satisfies the lender.
Veterans (discharged)
Minimum service variesGulf War era and later: 90 days active duty or 24 months (whichever is shorter). Earlier eras: 90-181 days depending on period. Discharge must be other than dishonorable.
Guard and Reserve
6 years of serviceNational Guard and Reserve members qualify after 6 years of creditable service, or 90 days of active-duty orders (Title 10).
Surviving spouses
Un-remarried surviving spouseSurviving spouse of a Veteran who died in service or from a service-connected disability. DIC recipients are funding-fee exempt.
Not a Veteran?

LRG helps all San Antonio buyers

If you are not a Veteran or Military family member, LRG Homefront is our general homeownership program with FHA, conventional, TSAHC DPA, and credit-rebuild paths for all San Antonio buyers.

Start LRG Homefront for all buyers →

VA & Military Guides

Resources for Veteran homebuyers

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