Dawnette Ham


Veteran and Military Loans

 Veterans Benefits | VA Loans | Texas VLB 


If you are a Veteran or Active Duty Military, I appreciate you.  I come from a long line of brave individuals who have proudly served our country, and I've made it my priority to offer our Veterans and Active Duty Military Members as much assistance as I can when it comes to buying or selling their homes. If you live in Bexar County or the surrounding areas or want to move here, I can help.  The Veterans Administration (VA) offers many benefits that honor you by helping you with a home purchase.  The Texas Veterans Land Board (VLB) offers special low-interest loans on your home and land purchase OR home improvement projects.  

Here are some key points regarding VA/VLB loans:

1.    A previous foreclosure on a VA loan does not necessarily negate the Veteran from using his/her entitlement again.

2.    In Texas, 100% disabled Veterans are exempt from paying property taxes.

3.    A 30% or greater compensable service connected disability qualifies a Veteran to receive a .50 discount to the published interest rate through the Veterans Land Board.

4.    A 10% or greater compensable service connected disability qualifies a Veteran to be exempt from the VA Funding Fee.

5.    The VA will allow the non-purchasing spouse’s debts to be offset with his/her income.

6.    VA loans are approved based on residual income.  In some cases, this allows a Veteran to become approved with a high debt-to-income ratio.

7.    Termite inspections are required on all VA loans; however, the Veteran cannot pay for it.

8.    A Veteran may rent his/her current home that was purchased with his/her entitlement and use VA Bonus Entitlement for the purchase of his/her next home.

Let me help you find your home!  Call Dawn at 210-391-5160 or email DawnSellsTexas@yahoo.com.  

To learn more about VA/VLB loans and programs, call my VA loan expert, Lisa Warren:

Lisa Marie WarrenSr. Mortgage Banker

NMLS 227358

SWBC Mortgage

8400 Blanco Rd.

San Antonio, TX 78216

210-494-5626 Office

210-494-5629 Fax

210-710-6380 Cell

Apply online at www.swbcmortgage.com/warren