VA Home Loan

As dedicated VA loan specialists in Texas, we are passionate about serving those who have served our nation. Our mission is to empower active-duty service members, veterans, and their families by helping them fully understand and maximize their VA home loan benefits. Beyond securing home financing, we take pride in connecting our military community with additional resources that enrich their lives, including education opportunities, healthcare benefits, and local support networks throughout the great state of Texas.

Collage of black-and-white and color photos of diverse groups of people during various events, including military, family, and community gatherings, arranged in a diamond pattern.

Thank you for your service!

Located in the heart of San Antonio, Texas, also known as Military City, USA, we are honored to serve the men and women who protect our freedom. Our deep roots in the military community inspire us to go above and beyond for our clients, ensuring every military family feels supported and confident throughout their homeownership journey.

Connect with a VA loan specialist
A military soldier holding the hand of a toddler while a woman, likely the child's mother, stands nearby in a grassy field with trees in the background.

Why Choose Us for Your VA Loan?

VA loans come with unique guidelines, benefits, and opportunities, which is why working with a team that understands the program can make such a difference.

At TLP Mortgage, VA lending is more than just another loan option. Our team is committed to helping veterans, active-duty service members, and military families understand how to use their VA home loan benefit with confidence.

A key part of that expertise comes from Tiffanie Prado-Ramirez, our VA loan specialist, who brings years of mortgage experience along with a strong understanding of the needs of military families. As the spouse of a retired Army service member, Tiffanie understands that military homebuying can come with a different set of questions, timelines, and challenges.

From helping you understand your Certificate of Eligibility to explaining entitlement, residual income requirements, closing costs, and the VA appraisal process, our goal is to make the process clear from the very beginning.

When you work with TLP Mortgage, you can expect:

  • Experienced VA loan guidance from a team familiar with VA financing

  • Personalized education so you understand your benefits and options

  • Support for active-duty military, veterans, and eligible surviving spouses

  • Local San Antonio and JBSA market knowledge

  • Clear communication with you, your Realtor, and everyone involved in the transaction

  • Help navigating more complex VA scenarios, not just straightforward purchases

Your VA benefit is something you earned. Our job is to help you understand how to use it strategically and make the homebuying process as smooth and informed as possible.

"This will remain the land of the free only so long as it is the home of the brave."

Elmer Davis

Meet Our VA Expert

Tiffanie Prado-Ramirez

Branch Production Manager

Senior Loan Originator NMLS# 1544837

210.488.8294

Tiffanie Prado-Ramirez is a senior loan officer & branch production manager with TLP Mortgage, bringing more than 12 years of experience in the real estate industry with a background on both the realtor and lending sides. A proud San Antonio native who grew up on the Westside, she serves the military community with a deep personal connection as the spouse of a retired U.S. Army soldier.


Who qualifies for a VA loan?

Veterans, active-duty service members, and surviving spouses may qualify for a VA loan if they have satisfactory credit, adequate income, and a valid Certificate of Eligibility.

Learn More about VA Loans:

  • The VA home loan has very flexible underwriting guidelines compared to a conventional mortgage and other types of home financing. VA loans have a higher debt-to-income ratio than other types of mortgages.

  • You can borrow 100% of the home's value or more, with lenient guidelines for 1–4 unit primary residences. Borrowers using the VA loan can purchase immediately with no money down.

  • VA loans do not require mortgage insurance, even when the homebuyer is putting no money down. As a result, the buyer not only saves cash upfront but can also save thousands over the lifetime of the loan. Plus, the buyer has more purchasing power when shopping for a home.

  • A down payment is not required on VA home loans, but the borrower does have to pay for closing costs. VA loan closing costs average 1–3% of the loan amount. Sometimes the buyer can receive seller or lender credits or a gift to cover closing costs.

  • Your VA loan eligibility does not expire and can be used more than once — even after a foreclosure or bankruptcy. Veterans can also have two VA loans at the same time in some situations.

  • To utilize the VA home loan program, you’ll need to first establish eligibility, or prove that you have earned the benefit. To do so, you’ll need to obtain your Certificate of Eligibility, or COE. We can help you get your COE during the pre-approval process.