Every benefit you've earned through service
From $0 down VA loans to Texas property tax exemptions, PCS support, and more — we make sure you claim everything you're entitled to.
The VA loan benefit, explained plainly
No down payment. No PMI. Competitive rates. Reusable. Here's what that actually means for your wallet.
$0 Down Payment
VA-eligible veterans can purchase with zero down payment. No minimum required, no PMI — the federal guarantee replaces mortgage insurance entirely.
No Private Mortgage Insurance
Conventional loans require PMI when you put down less than 20% — often $100–$400/mo. VA loans skip PMI completely, saving you thousands over the life of the loan.
Competitive Interest Rates
The VA guarantee lets lenders offer below-market rates. Over a 30-year loan, even a 0.5% difference can mean $30,000+ in savings.
Reusable Benefit
You can use your VA loan benefit multiple times. Once you pay off or sell a home, your full entitlement is typically restored — so this isn't a one-time deal.
Texas Property Tax Exemptions for Veterans
Texas offers disability-based property tax exemptions on your primary residence (homestead). The amount depends on your VA disability rating.
| VA Disability Rating | Texas Exemption |
|---|---|
| 10% – 29% | $5,000 off assessed value |
| 30% – 49% | $7,500 off assessed value |
| 50% – 69% | $10,000 off assessed value |
| 70% – 99% | $12,000 off assessed value |
| 100% / TDIU | Full exemption — $0 property tax on primary residence |
Individual Unemployability (TDIU)
Veterans rated 100% by VA, or granted Individual Unemployability (IU / TDIU), qualify for the full exemption — $0 property tax on their primary residence — even if the combined rating is below 100%.
Exemptions apply to the primary homestead only. Rates and eligibility are subject to Texas law and may change. Verify current exemptions with your county appraisal district.
Orders came through? We've got you.
A Permanent Change of Station move is one of the most stressful real estate situations anyone can face — tight timelines, BAH calculations, and sometimes closing remotely. We do this regularly.
- BAH (Basic Allowance for Housing) guidance — we know how to structure your search around your rate
- Coordination with your timeline — whether you need to close in 30 days or 6 months
- Relocation to all major Texas installations: Fort Cavazos, Joint Base San Antonio, Dyess AFB, Sheppard AFB, and more
- Virtual tours and remote closings for service members still at their previous duty station
- Selling your current home while buying your next one — we manage both sides
PCS Checklist
Questions to ask your agent when you receive orders:
- 1.What's my current BAH rate and how does that shape my price range?
- 2.Can I close remotely if I haven't reported yet?
- 3.How do I time selling my current home with buying the next one?
- 4.Does my VA entitlement restore automatically when I sell?
- 5.What VA-approved lenders do you recommend in this area?
A veteran-owned brokerage that knows your benefits
We built AVRG specifically because the real estate industry consistently under-serves veterans. Here's what makes us different.
VA Loan Navigation
We work alongside VA-approved lenders to walk you from COE to closing — handling the paperwork, timeline, and appraisal requirements that trip up first-timers.
Property Tax Exemption Guidance
We'll walk you through applying for your Texas homestead exemption and VA disability exemption so you're not leaving money on the table from day one.
PCS & Military Relocation
We specialize in military moves — tight timelines, BAH optimization, and coordinating sales and purchases when your orders come through.
No Extra Cost to You
As a buyer, our commission is paid by the seller. You get a full-service veteran-specialist agent at no cost out of your pocket.
Veteran Peer Network
Our team and agents have served. We speak the same language and understand the specific stresses of a military move or transition to civilian homeownership.
Statewide Coverage
Whether you're near an installation or relocating anywhere in Texas, we have agents across the state who know their local markets deeply.
Who qualifies for VA benefits?
VA loan eligibility is based on length and character of service. The surest way to confirm yours is a Certificate of Eligibility (COE) — and we'll help you get it.
- Veterans who completed the required active-duty period (90 days during wartime, 181 days during peacetime)
- Active-duty service members after a minimum service period
- National Guard and Reserve members (eligibility varies — typically 6 years of selected reserve service)
- Surviving spouses of service members who died in service or from a service-connected disability
A note on the fine print
You may see bold claims elsewhere like "zero closing costs by law." We don't make promises like that — closing costs can still apply depending on the transaction.
What we will do is help you understand exactly what you qualify for and structure every purchase to maximize every legitimate benefit available to you.
No surprises. No fine print you haven't seen.
VA loan benefits are subject to eligibility, lender approval, and the specifics of each transaction. Closing costs can still apply. Property tax exemptions are subject to Texas law and your county appraisal district. This page is educational and is not a loan commitment, tax advice, or financial advice. Confirm current benefits with a VA-approved lender and/or a licensed Texas tax professional.
Let's see what you qualify for
A short consultation is the fastest way to understand your real benefits and next steps.