Speak to a Local VA Specialist and Get Pre-Approved Now!
No call centers, same-day approvals, expert guidance for Veterans and Military families in San Antonio.
Veteran Owned and Operated
The VA Loan Network Difference
Our Mission: Provide a smarter, more personal lending experience. We don't use online applications or call centers; every loan starts with a conversation with a local VA loan expert, available day, night, or weekend.
🤝 Your Dedicated Expert
You'll work one-on-one with a handpicked VA loan specialist from your first call to closing. No call centers, no runaround, just a real person you can call directly.🏅 True VA Expertise
Each of our loan officers has 10+ years of VA-specific experience. Deep knowledge of manual underwriting helps us find solutions for all borrowers, from a 780 score to a 580.⚡ Real-Time Approval
We provide accurate pre-approvals in real time over the phone. That gives you a strong advantage to make a confident offer without delay.🛡️ We've Got Your Six
We are Veteran Owned and Operated. We understand this benefit because we've used it ourselves. From start to finish, you can be confident we have your six.VA Loan Network
Jaleel McCray
If you’re looking for a mortgage team that truly has your back, look no further than SouthLake Mortgage. Matt, Ken, and Christy are — without a doubt — the dream team.
From start to finish, they made the entire process feel effortless. Their rates and terms were competitive, and they took the time to walk me through every detail so I always felt informed and confident. Communication was top-notch — quick responses, zero runaround, and complete transparency every step of the way.
What really set them apart was how fast everything moved. The process was smooth and efficient, without ever feeling rushed. You could tell this team genuinely cares about their clients.
If you want a stress-free mortgage experience with people who are professional, knowledgeable, and truly a pleasure to work with, SouthLake Mortgage is the place to go. Matt, Ken, and Christy — thank you for everything!
Kayla Lee
I was referred to Matt, Ken, & Christy by a friend after having a negative experience with a previous lender and a potential contract termination after many extensions.
Matt immediately called and assured me there wouldn’t be an issue proceeding.
They moved the process along incredibly fast — they reached out on January 27, and I was able to close on February 10. Communication was consistent the entire time, and they made everything feel simple and stress-free.
My closing costs and monthly payment were even better than expected, and I truly can’t thank them enough. They made what felt impossible, possible.
I HIGHLY recommend them to anyone looking for a smooth and efficient home-buying experience!
David Wright
Matt and his team are amazing. Awesome communication and professionalism. I would highly recommend them to anyone looking for a home.
David Barrington
I cannot give more than 5 stars, but if I could, I’d give them 10!
I found myself in a very difficult position (credit-wise) right before I needed to apply for mortgages. My previous lender dropped the ball right before closing when they lost funding sources and didn’t inform anyone about it! Matt Schwartz and Christy Burwell took the challenge on right away. Matt was constantly re-assuring me every step of the way and made sure that we even had a backup plan just in case the VA loan didn’t go through.
Matt came up with a game plan to improve my score in record time. Not only did it improve my score enough for approval, it even made sure it went through automated approval instead of manual underwriting! Matt and Christy took a stressful situation and turned it into one of the most positive experiences I’ve had in my homebuying experience. I will forever be in their debt (figuratively and literally)! I will tell all of my friends to check them out whenever they need mortgage services and you should to!
Sokira Chhim
As first time home buyers, we didnt have a clue on what to expect honestly. Thankfully Matt stepped in and helped with any questions or concerns we came upon while in the search of our home which we are truly grateful for, plus they would respond as quickly as possible which was super convenient. They made this whole process super easy and smooth. Our experience was stress free and we are heavenly thankful for it. Definitely recommend using them as Lenders!
Erickson Jones
I did not planned to buy a house this year but I was seeing where I was at so I did a pre-approval, next thing I knew, I will be closing on my house this month thank you (Matt. Christy. And Ken). First impression of Matt, he sounds very confident, very clear, amazing with communication, he will not tell you something that he can not get done. Made me feel at ease at all times during the whole process. Always keeps me up to date with everything. I am truly impressed.
Christy and Ken been on top of everything, making sure i have everything for the underwriting.
I did not expect to have such a great experience with this process as a first time home buyer, since all I hear from people is that it is long and stressful. These team had me clear to close less than a month. So thank you very much. Will definitely use them again for my future home loans.
Mark Roper
Matt was so helpful in securing my VA loan. Easy to work with and Christy was awesome as well.
Highly recommended! 5 stars.
Miaya Collins
I was contacted by several lenders but decided to go with Southlake Mortgage because Matt Schwartz contacted me on a Sunday to get right down to business, which caught my attention because who does that?!
Working with Matt and his team (Christy and Ken) was the absolute best experience I could’ve hoped for. Before partnering with Matt and his team at Southlake Mortgage. I spoke with several other loan officers that weren’t nearly as knowledgeable and eager to guide me through the home buying process. I was pre-approved with a few other banks but decided to work with Matt instead because he was everything I needed and more, as a first time homebuyer. Matt’s attention to detail, willingness to help, and AMAZING communication helped make my home buying process practically seamless!
Haley Porter
I’ve had an amazing experience with this loan company! Matt and Christy have been absolutely incredible throughout the entire process. They were patient, knowledgeable, and always quick to answer every question I had. Their communication was top-notch, and they made everything feel smooth and stress-free from start to finish. I couldn’t have asked for better people to guide me through this journey. If you’re looking for a team that truly cares and goes above and beyond, Matt and Christy are the ones! Highly recommend!
Valentina Acosta
We had a complicated experience before meeting Matt. We were working with another lender who made us many promises, but in the end he presented us with an extremely high interest, which left us very worried and stressed. We felt that we were wasting time and opportunities, and that we would probably not achieve the goal we had for our family.
But everything changed when we found Matt. From the first moment, Matt was honest, clear and very professional. He explained everything to us patiently, gave us real options and promised to help us. In less than two weeks, Matt not only solved all the problems we had, but he also got us an interest that we never thought would be possible. His speed, attention to detail and dedication made all the difference. Thanks to him, we were able to close with peace of mind, confidence and with an excellent interest. We are deeply grateful for all your work and commitment. If someone is looking for a reliable, transparent, fast lender who really cares about their customers, do not hesitate to contact Matt. It really made a huge difference in our process and we would recommend it a thousand times.
Robert Brown
Matt and his team were very professional, always able to communicate with us when needed and very helpful every step of the way. This is my 4th home purchase and by far this has been the best experience with a lender we have had.
Treston Shepherd
I can’t say enough great things about my loan team, Matt Christy and Ken. They did an absolutely outstanding job from start to finish. Communication was top notch, especially from Matt, who always responded within minutes (seriously, never more than 5) and took the time to explain every detail clearly.
This was my second home purchase, and it was by far the smoothest and fastest process I’ve ever experienced. From contract to close, everything moved efficiently and stress free. I always felt informed and supported every step of the way.
I would never go to another mortgage provider or work with any other team besides Matt, Ken and Christy. They’ve truly set the standard for what exceptional service should look like. Highly, highly recommend Matt, Ken, and Christy!
Shanteria Paul
I was frustrated at times, but Matt, Ken, and Christy never missed a beat. They stayed calm, professional, and got it done. I’m incredibly pleased with the service I received they made the home buying process feel effortless. From day one, they communicated clearly, worked tirelessly, and delivered results. In less than a month, I had the keys to my new home. I admire hardworking people, and this team went above and beyond. Highly recommended!
Rob Gaither
I cant say enough about Matt, Christy and Ken at Southlake mortgage. This process started as just a feeler type situation because I knew my credit was beyond useful and I just wanted to gauge where I was. After a quick application I immediately got a call from Matt and the process began. I never thought I would be a homeowner, but because of that brief 20 minute call and Matt’s expertise here we are. This was no easy process for them. I had just bought a car, had 2 judgements I had been paying on and my credit was below 600. Matt, Christy and Ken saw me, the Army Vet, Iraq war vet, and the stubborn SOB and not my credit. After being denied Matt didn’t give up. He had me work harder and pushed me through. Christy was a god send, keeping me updated, pushing me to get paperwork in and waking me through how to do it all. Ken was always there when I had a question no matter the time of day. This group could have easily walked away and washed their hands of me with all the crap they had to help me through, but they didn’t. This entire team fought for me and gave me and my family our dreams! Thank you Matt, Christy and Ken from the bottom of our hearts!
C C
I am very pleased with the service I received from Matt, Ken, and Christy. They made the home buying process insanely easy and pain free. From start to finish, they were pros, communicating clearly and working tirelessly to get everything done. Less than a month from start to finish, and I had the keys to my new home. I appreciate hard-working people, and these three delivered big time. What a great team! Highly recommended.
Dennis Wiese
Such a great experience. When we started this journey to buy our first home we had some credit challenges that were stopping us. Matt took the time to guide us on how much to pay towards each debt to get our scores up and within 2 months we were good to go, closed on the house today and couldn’t be happier. Matt was always available whenever we had questions and even our realtor who has been doing this for many years said he was such a pleasure to work with and always available. Thanks again Matt and I’ll definitely be recommending you to everyone I know in the market for a mortgage.
Stephanie Bracewell
If you’re on the fence about who to trust with your mortgage, let me just say, Matt, Christy, and Ken are the absolute BEST. From day one, they made everything feel seamless and stress-free. Anytime I had a question (and believe me, I had plenty!), one of them was there with an answer and reassurance.
They didn’t just process paperwork, they genuinely cared and made me feel like I wasn’t going through this alone. Buying a home can be overwhelming, but they made it feel so much easier. I never once felt left in the dark, and that kind of peace of mind is priceless.
I would 100% use them again without hesitation and recommend them to anyone needing a mortgage team they can fully trust. They truly went above and beyond for us.
Erica Sarti
As a first-time homebuyer and a Veteran, I couldn’t have asked for a better experience. From start to finish, VA Loan Network made what seemed like an overwhelming process feel simple, transparent, and stress-free. They took the time to explain every detail, guided me through my VA loan benefits, and made sure I felt confident every step of the way.
What stood out most was their patience, professionalism, and genuine care. They weren’t just focused on closing a loan—they were focused on helping me achieve my dream of owning a home. Their communication was excellent, always available to answer my questions (no matter how small), and their expertise in VA loans gave me complete peace of mind.
Because of Matt Schwartz and Christy Burwell, I’m now a proud homeowner. I’m beyond grateful for their dedication and highly recommend them to any Veteran or first-time buyer looking for a lender who truly goes above and beyond.
Blake Weaver Realtor
Matt was very punctual and creative on the best way to help keep this deal alive when faced with a low appraisal. First class service! Hope to another deal soon!
Randy Abbe
They were great to work with. My father-in-law had worked with another company, but they were dragging their feet. The VA Loan Network was able to process and approve his VA loan faster than we had even thought possible.
Your San Antonio Advantage: VA Loans Built for JBSA
San Antonio moves fast, and military families don’t have time for guesswork. Our Veteran-owned team focuses exclusively on VA lending in the San Antonio area, helping you make the most of your VA entitlement, understand how your BAH fits into your approval, and structure offers that win in competitive neighborhoods around JBSA Fort Sam Houston, Lackland, and Randolph. From PCS orders to closing day, you get clear answers, local market insight, and a direct line to a VA loan expert who speaks your language.
VA Loan Options for Your Next Move
| Option | Best For | Key Benefits |
|---|---|---|
| Purchase | Buying a home in San Antonio or near JBSA | 0% down for eligible buyers, no monthly PMI, competitive rates, fast local approvals |
| Refinance (VA IRRRL) | Lowering your existing VA rate or payment | Streamlined process, limited documentation, potential to keep your existing funding fee exemption if applicable |
Purchase: Buy Your Home in San Antonio
Whether you’re PCSing to JBSA or putting down roots in Bexar County, a VA purchase loan can help you become a homeowner with predictable costs and minimal cash out of pocket.
- 0% down payment for eligible Veterans and service members
- No monthly private mortgage insurance (PMI)
- Flexible credit guidelines with manual underwriting available
- Local market guidance on making competitive offers near base
- Dedicated VA specialist from pre-approval through closing
We structure your approval around your BAH, existing obligations, and PCS timeline, so you know exactly what you can afford before you start house hunting.
Refinance: Lower Your Payment with a VA Streamline (IRRRL)
Already have a VA loan? A VA Interest Rate Reduction Refinance Loan (IRRRL), often called a “VA Streamline,” is designed to help you reduce your rate and payment with less paperwork than a typical refinance.
- Built specifically for existing VA loans
- Streamlined process with limited documentation compared to a standard refinance
- In many cases, no appraisal is required1
- Option to roll allowable closing costs into the new loan
- Potential to keep your VA funding fee exemption if you’re currently exempt2
We’ll quickly review your current loan, run the numbers, and show you whether a VA IRRRL makes sense for your situation before you commit.
Waiver Alert: Are You Eligible to Skip the VA Funding Fee?
The VA funding fee is a one-time cost that most borrowers pay to use their VA benefit, but many Veterans and surviving spouses never need to pay it at all. If you have a qualifying service-connected disability, you may be exempt — which can save you thousands of dollars at closing.
What a VA Funding Fee Waiver Could Mean for You
- No VA funding fee charged on your purchase or refinance loan
- Lower total cash to close and a more affordable monthly payment
- Potentially easier to keep savings for PCS costs, emergencies, or upgrades
Not sure if you qualify? Your dedicated VA loan expert will review your Certificate of Eligibility (COE), verify your disability status as reported to the VA, and make sure any eligible funding fee exemption is applied correctly on your loan estimate and closing disclosure.
Ready to See Your VA Home Loan Options?
Whether you’re buying near JBSA or lowering the payment on your current VA loan, our team is here to walk you through every step — from understanding your BAH and entitlement to getting a clear, accurate pre-approval.
1 Appraisal, income, and asset documentation requirements can vary by lender, loan profile, and current VA guidelines. Additional documentation may be required.
2 VA funding fee exemption eligibility is determined by the Department of Veterans Affairs and is subject to change. All loans are subject to credit approval and underwriting guidelines.

