San Antonio VA Loan Specialist
Trey Garza
Licensed Texas Loan Officer helping veterans, first-time buyers, and move-up buyers navigate the mortgage process — clearly, honestly, without the runaround.
Trey Garza
Licensed Mortgage Loan Officer · Efinity Mortgage · San Antonio, TX
VA Loan Specialist · NMLS# 2700813
I specialize in VA loans for San Antonio's veteran community and help first-time buyers, professionals, and move-up buyers navigate the mortgage process without the confusion. Every client gets straight answers and a clear path to closing.
Your Path to Homeownership
Whether you've served our country, are buying your first home, work as a physician or professional, are ready to move up, or are growing a rental portfolio, there's a clear path forward. Choose your situation below.
VA Loan Buyers
You've earned this benefit. San Antonio has one of the largest veteran populations in the country, and many buyers here don't realize how powerful the VA loan really is. $0 down, no PMI, competitive rates.
First-Time Buyers
Everything you need to go from 'thinking about it' to holding your keys. Loan programs, down payment assistance, the buying process, FAQ, and a free mortgage calculator, all in one place.
Physician & Professional Buyers
Attending physicians, residents, fellows, and dentists get loan programs built around your career path — low or no down payment, favorable student loan treatment, and the ability to close on a signed contract before your start date.
Move-Up Buyers
Ready to trade up to your next home? Whether you're upgrading for more space, a growing family, or a better fit, I'll help you plan the timing, financing, and equity strategy to make the move smoothly.
Real Estate Investors (DSCR)
Buying a rental property? DSCR loans qualify based on the property's rental income, not your personal income or tax returns. LLC and entity ownership welcome, ideal for growing your portfolio.
Why the VA Loan is the Best Loan in the Market
San Antonio is home to one of the largest veteran populations in the country. If you've served, you've earned a benefit that beats every other loan program available.
Buy a home with zero money down. Your service earned this.
Save hundreds per month vs conventional loans under 20% down.
Waived entirely for veterans with a service-connected disability rating.
Full entitlement means no cap on your purchase price for qualified buyers.
Get My Free Home Buyer Guide
Everything a first-time buyer in San Antonio needs to know — loan programs, down payment assistance, what to expect at closing, and common mistakes to avoid. Delivered straight to your inbox.
- ✓Loan program comparison (FHA, VA, USDA, Conventional)
- ✓Texas down payment assistance programs explained
- ✓Step-by-step buying process guide
- ✓Mortgage calculator and planning tools
Everything You Need to Get Ready
Free tools and guides to help you understand your options and prepare to buy.
Loan Programs Compared
FHA vs VA vs USDA vs Conventional — side-by-side breakdown of every option.
Compare Programs →Down Payment Assistance
Texas DPA programs through TDHCA and TSAHC. Up to 5% toward your down payment.
See Programs →Mortgage Calculator
Estimate your monthly payment with taxes, insurance, and MI included.
Open Calculator →Ready to Get Started?
A 10-minute call tells you exactly where you stand — which loan fits, what you qualify for, and what your next step is. Free, no obligation.