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Proudly serving our veterans




Some of our Hall American Team of veterans now retired from military service but still helping other veterans everyday:  (Pictured from left to right) Matt Gurniak, Craig Hall and Dave Rhodes.

Call Craig anytime to explain your mortgage financing options as a veteran; here is some general information to get you started.


Financing for veterans

To use the VA Guaranteed Loan

-       Least restrictive

                     o   Min 600 credit score

o   Highest Debt to Income (DTI) ratio; over 50%

o   Zero down

-       Max entitlement $453,100; you can borrow more but need 25% down of overage

o   Can split entitlement into multiple properties

-       Funding fee: 2.15% for first time use, 3.3% thereafter

o   Can roll into loan

o   Waived for 10% or higher VA disability rating

-       Need to prove your eligibility

o   Active duty orders, DD-214, Certificate of Eligibility (COE)

-       When you sell, you get your VA eligibility back

To use -Texas Veteran Land Board; AKA Texas Vet

-       Added entitlement for veterans who are Texas residents

-       Use it with VA, FHA, or Conventional

-       Cons:

o   Funding fee of approx. 1%

§  Pay at closing; CANNOT roll into loan

-       Pros:

o   Typically lower interest rate than VA

o   With 30% VA disability or higher, rate goes down another .5%

Pay attention to your Credit

-       Pull credit report once a year

-       Don’ts

o   Don’t try to understand…it’s counter intuitive

o   If credit is low? Don’t try to “fix” it yourself

o   Don’t use “24 months same as cash”

o   Don’t close your oldest account; could lower your score

-        Do's

o   If credit is good? Keep doing what you’re doing. Don’t try to “raise” it yourself

o   Use your credit; Keep low minimum balances on every account

o   Pay your bills on time, every time.

Proudly serving our veterans

Craig is a member and mentor for USO Pathfinder.  This service organization has created a unique transition model by opening a facility that in military terms can be coined a “rally point” or civilian “one-stop-shop”. They connect targeted resources for transitioning service members and their families in more efficient, effective, and positive ways. 




Hall American Realty
Dominique Lester, REALTOR®
Craig Hall, Broker
San Antonio, TX 78261
Phone: 210-645-5586
Email Dominique

Please click here for Information About Brokerage Services (IABS) as directed by Texas law. 

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