Real Estate Benefits Most Veterans Don’t Even Know They Have

Unlocking Your VA Benefits: A Guide for Texas Veterans

By: Adriana C. Perez | Texas REALTOR® | Military Relocation Professional (MRP)

If you’ve served in the military, you’ve already earned one of the most powerful tools in real estate. However, many veterans don’t realize just how far these benefits can go.

Yes, the VA loan is well-known for offering $0 down and no PMI. But did you know you can use it more than once? You can even buy a fourplex with it! In Texas, you might also qualify for a 100% property tax exemption.

Let’s break it down.

You Can Buy a Home with $0 Down and No PMI

We’ll start with the basics, but they’re worth repeating.

• No down payment

• No private mortgage insurance

• Competitive rates

• Flexible credit and income requirements

  
  

Compared to conventional loans, this could save you tens of thousands over the life of your loan.

You Can Use It to Buy a Multi-Family Property (and Start Earning Income)

That’s right! The VA loan can be used to buy a 2–4-unit property as long as you live in one of the units.

This means you could:

• Live in one unit

• Rent out the others

• Build equity and passive income while still paying $0 down

  
  

This is a wealth-building strategy most civilians don’t have access to, but you do.

You Can Use Your VA Loan More Than Once

Many veterans think the VA loan is a one-time benefit. It’s not.

You may be able to:

• Use your remaining entitlement to buy another home

• Keep your first home as a rental property after 12 months of occupancy

• Even hold two VA loans at the same time, depending on your entitlement and local loan limits

  
  

You May Qualify for 100% Property Tax Exemption in Texas

Texas doesn’t just say thank you; it backs it up.

If you have a 100% disability rating from the VA, you may qualify for a full property tax exemption, saving thousands every year. There are partial exemptions available for lower disability ratings too.

Plus, many counties offer additional local exemptions for veterans and surviving spouses.

You Can Stack Your VA Benefits with Other Programs

Some veterans qualify for even more help, including:

• TSAHC Heroes Program (extra DPA + lender discounts)

• Texas Vet Loan (offering lower interest rates)

• First-time homebuyer incentives

• Local down payment assistance based on location

  
  

I can help you stack the right options to reduce upfront costs and maximize value.

Understanding the VA Loan Process

Navigating the VA loan process can be overwhelming. However, understanding the steps can make it easier. Here’s a brief overview:

1. Pre-Approval

Before you start house hunting, get pre-approved. This will give you a clear idea of your budget and strengthen your offer when you find a home.

2. Finding a Home

Look for properties that meet your needs. Remember, you can buy multi-family homes with your VA loan. This can be a great way to generate income.

3. Closing the Deal

Once you find a home, you’ll need to go through the closing process. This includes inspections, appraisals, and finalizing your loan.

4. Moving In

After closing, it’s time to move in! Enjoy your new home and start building equity.

The Importance of Working with a REALTOR®

Working with a knowledgeable REALTOR® can make a huge difference in your home-buying experience. They can help you understand the market, negotiate offers, and navigate the complexities of the VA loan process.

Ready to Put Your VA Benefits to Work?

Whether you’re buying your first home or building an investment strategy, I’m here to help you unlock every benefit you’ve earned.

Call or Text Me: 409.927.0881

This content is for informational purposes only and should not be considered financial or legal advice. All loan and assistance programs are subject to availability, qualifications, and approval. Please consult with a licensed lender, tax advisor, or legal professional regarding your specific situation. Eligibility for property tax exemptions varies by county and VA disability rating. Please check with your county tax appraisal district for specific requirements.