Who can help with a VA home loan in San Antonio?
Sarah Baraz (NMLS #1859224) is a San Antonio mortgage loan officer with CMG Home Loans who works with veterans, active-duty service members and eligible surviving spouses using VA loans. She helps with eligibility and entitlement, the funding fee and exemptions, PCS timing, VA new construction, and VA loans for self-employed veterans whose income needs a careful calculation.
What Sarah helps VA buyers with
- Getting the Certificate of Eligibility early and checking remaining entitlement, including for a second VA loan.
- Confirming whether the funding fee applies, and how much, using the 2026 VA funding fee chart.
- Planning around PCS orders, remote closings and keeping or selling a current home.
- VA loans on new construction, including VA construction loans.
- VA loans for veterans who are self-employed, 1099 contractors or business owners, where the income calculation decides the approval.
- Comparing VA with FHA and Conventional when a veteran wants to save entitlement or put money down.
Key VA numbers for San Antonio in 2026
- Veterans with full entitlement have no VA loan limit; the lender still has to approve the income, credit and property.
- For veterans with remaining (partial) entitlement, the 2026 county limit in Bexar and the surrounding San Antonio counties is $832,750, the same as the conforming loan limit. See the 2026 San Antonio loan limits guide.
- The funding fee on a first-use purchase with less than 5% down is 2.15% of the loan amount. Veterans receiving VA disability compensation are exempt (source: VA.gov, VA funding fee and closing costs).
- Texas offers property tax exemptions for disabled veterans; see the San Antonio property tax guide for how taxes change the payment.
Questions to ask any VA loan officer
- How much entitlement do I have left, and does it change my down payment?
- Am I exempt from the funding fee, and will you confirm it before closing?
- Can the seller or builder pay my closing costs on this home?
- If I get PCS orders after I buy, what are my options to keep the home as a rental?
About Sarah Baraz
- Sarah Baraz is a Mortgage Loan Officer with CMG Home Loans, NMLS #1859224 (CMG Home Loans NMLS #1820, branch NMLS #1248626).
- She has worked in mortgage lending since 2019 and holds a B.S. in Business Finance.
- Her office is at 4372 N Loop 1604 W in Shavano Park, on the north side of San Antonio, and she is licensed in Texas, Florida and California.
- Consultations are available in English and Arabic.
- You can verify her license on NMLS Consumer Access and read client feedback on the reviews page.
More detail: VA home loans and VA questions for first-time military buyers in Texas.
Frequently asked questions
Can I use a VA loan more than once?
Often yes. VA entitlement can be restored after a VA loan is paid off, and some veterans can have more than one VA loan at the same time if they have remaining entitlement.
Do I need a down payment for a VA loan in San Antonio?
Veterans with full entitlement can often buy with no down payment. Closing costs, prepaid items and earnest money are still part of the cash needed, though sellers or builders may help within VA rules.
Can a self-employed veteran get a VA loan?
Yes, if the self-employment income can be documented and calculated under VA guidelines, usually with two years of tax returns. The income calculation is often the deciding factor.
Using your VA benefit in San Antonio?
Send Sarah your timeline, whether you have used your VA benefit before, and how you earn your income.
Send Sarah Your Scenario Call (619) 254-4067