What a 50-Year Mortgage Could Mean for Military and PCS Homebuyers in San Antonio

For military families stationed at Joint Base San Antonio (JBSA), housing decisions carry unique complexity. Unlike civilian buyers who may settle in a community for decades, active-duty service members face Permanent Change of Station (PCS) orders every 3-7 years on average, requiring careful calculation of homeownership timelines, equity accumulation, and resale flexibility.

Now, a new proposal has entered the conversation: the 50-year mortgage. Federal Housing Finance Agency Director Bill Pulte announced in November 2025 that the Trump administration is working on this extended loan option, which would stretch mortgage payments across five decades rather than the standard 30 years. For military families considering homeownership near Lackland AFB, Randolph AFB, or Fort Sam Houston, the question isn’t just whether this proposal might become reality—it’s whether it would actually benefit service members even if available.

The answer, according to housing economists and military real estate specialists, is complex and largely unfavorable for PCS buyers. While spreading payments over 600 months instead of 360 lowers monthly obligations—potentially helping some military families qualify for homes they otherwise couldn’t afford—the trade-offs are severe: dramatically higher total interest costs, glacial equity accumulation, and fundamental misalignment between 50-year loan structures and typical military assignment durations.

“VA loans already provide excellent terms for our military community,” notes Tami Price, Broker Associate with Real Broker, LLC and USAF Veteran. “A 50-year term might look helpful on paper, but most PCS families move before they ever see the equity growth they need. The math just doesn’t work for service members facing regular relocations.”

This comprehensive analysis examines how the 50-year mortgage proposal could affect military homebuyers in the San Antonio market, what VA loan implications exist, and why traditional 30-year (or even 15-year) terms typically serve military families far better despite higher monthly payments.

Community Overview: Military Life Near Joint Base San Antonio

San Antonio has earned its designation as “Military City USA” through decades of close partnership between the community and armed forces installations. JBSA represents one of the largest joint military installations in the United States, comprising three primary locations serving distinct missions and populations.

The JBSA Installations

JBSA-Lackland serves as the Air Force’s sole enlisted basic training location and home to numerous other defense organizations. With over 24,000 active-duty personnel and extensive civilian workforce, Lackland anchors the western portion of JBSA’s footprint.

Fort Sam Houston, known as the “Home of Army Medicine,” hosts Brooke Army Medical Center (the military’s largest hospital), the Army Medical Center of Excellence, and extensive medical training operations. Approximately 8,500 staff members including active-duty, civilian employees, and contractors work at BAMC alone.

JBSA-Randolph houses Air Education and Training Command headquarters and serves as a hub for Air Force personnel development and training operations.

Combined, JBSA’s direct employment totaled 67,350 as of 2023, including 32,333 active-duty military personnel according to Texas Comptroller data. The installations contributed at least $55 billion to the Texas economy in 2023, supporting an estimated 211,000 statewide jobs.

Military-Friendly Communities

Surrounding neighborhoods offer diverse options for military families, each with distinct characteristics:

Schertz & Cibolo: Located northeast of San Antonio near Randolph AFB, these growing communities offer newer construction, highly-rated Schertz-Cibolo-Universal City ISD schools, and median home prices around $310,000-$350,000. Commute times to Randolph and Fort Sam Houston remain manageable at 15-25 minutes.

Universal City & Converse: Immediately adjacent to Randolph AFB, these established communities provide convenient base access, mature neighborhoods, and slightly lower price points ($250,000-$320,000 median) appealing to first-time military buyers.

Helotes & Far West Side: Serving Lackland AFB personnel, western San Antonio communities blend suburban amenities with proximity to base gates. New master-planned developments like Alamo Ranch offer modern homes in the $350,000-$450,000 range.

Northeast San Antonio: Areas like Windcrest and Kirby provide convenient access to Fort Sam Houston and Randolph while maintaining affordability for junior enlisted and NCO families.

Current Market Dynamics for Military Buyers

According to San Antonio Board of REALTORS® data and recent market analyses, the median home price in San Antonio has ranged between $260,000 and $324,000 throughout 2025, with JBSA-adjacent neighborhoods typically falling in the $280,000-$350,000 range depending on location, age, and home size.

For military buyers, several factors influence purchasing decisions:

Basic Allowance for Housing (BAH): San Antonio’s 2025 BAH rates decreased slightly (0.4%) from 2024 but remain sufficient to cover most mortgage payments in the median price range. For example:

• E-5 with dependents: $1,980/month
• E-7 with dependents: $2,175/month
• O-3 with dependents: $2,361/month

VA Loan Benefits: Zero down payment requirements, no private mortgage insurance (PMI), competitive interest rates, and lender “gross-up” of non-taxable BAH income (approximately 25% increase for qualification purposes) make VA loans extraordinarily powerful wealth-building tools.

PCS Cycles: The average military family relocates every 3-7 years, though some assignments extend longer and others are shorter. This creates unique considerations around equity accumulation, market timing, and the rent-vs-sell decision when orders arrive.

Resale Demand: JBSA’s stable personnel numbers create consistent buyer pools for military-friendly homes. Properties positioned near base gates, with good schools, and meeting VA appraisal standards maintain strong resale demand even during broader market slowdowns.

Why This Matters for PCS Buyers

Military homeownership decisions operate under fundamentally different parameters than civilian purchases. Understanding why the 50-year mortgage proposal creates particularly poor alignment with military needs requires examining the unique circumstances service members face.

The PCS Timeline Reality

The Department of Defense typically rotates personnel every 2-4 years, though some assignments extend to 5-7 years. Even service members who retire from their San Antonio assignments typically don’t remain in the same home for 50 years—they often downsize, relocate for family reasons, or pursue opportunities elsewhere.

This creates a critical mismatch: a 50-year mortgage is designed for borrowers who will either occupy the home for decades or maintain it as a rental property long-term. Most military buyers will neither occupy nor hold the property for anywhere near 50 years, fundamentally undermining the loan structure’s logic.

Equity Accumulation and Military Wealth Building

Homeownership serves as a primary wealth-building mechanism for military families, who face unique financial challenges including:

• Limited earning potential compared to equivalent civilian positions
• Geographic instability making traditional career advancement difficult
• Deployment-related family separations creating dual-household costs
• Transition challenges when leaving military service

Real estate equity—accumulated through mortgage paydown and property appreciation—provides financial security during service and a foundation for civilian life afterward. A 50-year mortgage dramatically undermines this by delaying equity accumulation until the third decade of the loan, long after most military buyers will have sold.

The Rent vs. Sell Decision

When PCS orders arrive, military homeowners face a critical decision: sell the property or convert it to a rental. This decision depends heavily on:

• Accumulated equity (determines proceeds available if selling)
• Property condition and maintenance requirements
• Rental market strength and achievable rent levels
• Property management logistics from a distance
• Tax implications and financial goals

With minimal equity from a 50-year mortgage, military families face constrained options. Selling may yield insufficient proceeds to cover transaction costs and provide down payment funds for the next purchase. Yet converting to a rental property with a 50-year mortgage means decades of interest payments on a property generating modest cash flow at best.

VA Loan Limitations and Policy Uncertainty

Currently, VA loans are capped at 30-year terms under Department of Veterans Affairs guidelines. Extending to 50 years would require:

• VA regulatory changes approving 50-year terms
• Congressional action amending Dodd-Frank to allow Fannie Mae and Freddie Mac to insure loans beyond 30 years
• Individual lender decisions to offer 50-year VA products
• Determination of entitlement amounts and guarantee percentages for extended terms

None of these actions have occurred as of November 2025, and there’s no timeline for potential changes. The VA may reasonably conclude that 50-year terms don’t serve veterans’ interests and decline to approve them even if broader regulatory changes occur.

How a 50-Year Mortgage Works: Military Buyer Scenario

To understand the real impact, let’s examine a typical military buyer scenario using current San Antonio market conditions and BAH rates.

Example: E-7 with Dependents Buying Near JBSA

Buyer Profile:

• E-7 (15 years service) with spouse and two children
• BAH: $2,175/month (San Antonio 2025 rate)
• Target home: $350,000 (typical newer construction near Schertz or Alamo Ranch)
• Down payment: $0 (VA loan benefit)
• Loan amount: $350,000
• Interest rate: 6.5% (current market rate assumption)

30-Year VA Loan:

• Monthly payment (P&I): $2,212
• Total payments over life: $796,320
• Total interest paid: $446,320
• Equity after 5 years (typical PCS timeline): Approximately $25,000-$30,000 from paydown, plus any appreciation
• Equity after 10 years: Approximately $65,000-$70,000 from paydown, plus any appreciation

50-Year Mortgage (if VA-approved):

• Monthly payment (P&I): $1,980
• Total payments over life: $1,188,000
• Total interest paid: $838,000
• Equity after 5 years: Approximately $8,000-$12,000 from paydown, plus any appreciation
• Equity after 10 years: Approximately $22,000-$25,000 from paydown, plus any appreciation

The Reality for This Family

Monthly Savings: $232 per month with 50-year term

Total Interest Difference: $391,680 additional with 50-year term

Equity at PCS (5 years): $15,000-$20,000 LESS with 50-year term

Likely Outcome: If this E-7 receives PCS orders after 5 years (typical), selling the home with minimal equity could mean:

• Transaction costs (6-8% of sale price): $21,000-$28,000
• Remaining loan balance after 5 years of payments
• Potential shortfall requiring cash to close if appreciation doesn’t exceed equity deficit

The $232 monthly savings generated $13,920 over five years—but cost $15,000-$20,000 in lost equity building, creating a net negative outcome before considering the additional $391,680 in lifetime interest obligations.

What Military Families Should Consider

VA Loan Current Advantages

The VA home loan program already provides exceptional benefits specifically designed for military homebuyers:

Zero Down Payment: Qualified veterans and active-duty service members can purchase without down payment requirements that burden conventional buyers.

No PMI: Unlike conventional loans with less than 20% down, VA loans never require private mortgage insurance, reducing monthly costs by $100-$300.

Competitive Rates: VA loans typically offer interest rates 0.25%-0.50% lower than conventional mortgages due to government guarantee reducing lender risk.

Flexible Qualification: Lenders account for military allowances (BAH, BAS) as income and “gross up” non-taxable allowances by approximately 25% for debt-to-income calculations.

VA Funding Fee Financing: The one-time VA funding fee (typically 2.15% for first-time use with 0% down) can be rolled into the loan amount, eliminating upfront costs.

Assumability: VA loans can be assumed by qualified buyers, creating potential selling advantages when interest rates rise.

These benefits already position military buyers to purchase homes effectively. Adding 50-year terms doesn’t enhance these advantages—it undermines them by dramatically increasing costs and delaying equity accumulation.

Assignment Duration Considerations

Military families should carefully assess realistic ownership timelines:

Short Assignments (2-4 years): Avoid purchasing unless certain of assignment extension or comfortable with landlord responsibilities. If buying, maximize down payment and choose 15-year or 20-year terms to build equity rapidly.

Standard Assignments (4-7 years): Ideal for homeownership with traditional 30-year VA loans. Sufficient time to build $40,000-$80,000 in equity through paydown and appreciation.

Long Assignments or Retirement Location: Consider 15-year or 20-year terms to eliminate mortgage obligations faster and free cash flow for retirement living.

Under NO Circumstance: A 50-year mortgage makes financial sense for military buyers facing normal PCS cycles.

Resale and Rental Flexibility

Equity accumulated during ownership determines options when orders arrive:

Selling Scenario: With 30-year mortgage and 5 years of payments, typical military seller has $50,000-$80,000 in total equity (paydown plus appreciation). This covers 6-8% transaction costs and provides $20,000-$40,000 toward next purchase or other needs.

Rental Conversion: With substantial equity, military families can weather temporary negative cash flow or maintenance emergencies. Minimal equity from 50-year mortgages leaves no buffer for rental property challenges.

Interest Cost Reality Check

For military families building wealth on service member salaries, every dollar of unnecessary interest represents lost opportunity:

• $391,680 additional interest on our E-7 example could instead fund:
  • Four years of college tuition at a public university
  • 20 years of maximum Roth IRA contributions
  • Complete pay-off of a second investment property
  • Substantial retirement savings generating compound returns

Choosing a 50-year mortgage to save $232 monthly while sacrificing $391,680 lifetime represents catastrophically poor financial decision-making.

Impact on the JBSA Housing Market

If 50-year mortgages gain VA approval and achieve market adoption (both significant “ifs”), the JBSA-area real estate market could experience several effects:

Potential Demand Increases

Expanded Military Buyer Pool: Lower monthly payments could help junior enlisted (E-1 through E-4) and single service members qualify who currently cannot. This particularly impacts entry-level home segments ($200,000-$280,000).

Competitive Advantage: Sellers in military-preferred neighborhoods (Schertz, Cibolo, Universal City, areas near base gates) might receive more offers from qualified buyers.

First-Time Military Buyer Activity: Young service members traditionally priced out could enter ownership earlier in their careers.

Market Risks and Concerns

Price Inflation: Increased buyer qualification without corresponding inventory increases could drive prices 5-15% higher in military-popular neighborhoods, potentially erasing monthly payment savings through elevated purchase prices.

Future Resale Pools: If significant numbers of military buyers use 50-year terms and accumulate minimal equity, future resale markets could face sellers unable to move without bringing cash to closing, reducing transaction velocity.

Displacement of Traditional Buyers: Military buyers with 50-year mortgage qualification might outbid buyers using conventional financing in multiple-offer situations, altering market dynamics.

Market Stratification: Entry-level homes might see demand surges while mid-tier and luxury military homes remain unchanged, creating pricing disconnects between segments.

Seller Considerations

Military Home Sellers: Current military homeowners planning to sell should:

• Price competitively based on current market conditions, not speculation about future financing options
• Highlight VA-friendly features (updated roof, working systems, minimal repairs needed)
• Remain flexible on closing timelines to accommodate PCS schedules
• Consider VA loan assumptions if your current rate is below market

Sellers Targeting Military Buyers: If 50-year mortgages launch and gain traction:

• Expect potentially faster sales in entry-level price tiers
• Be prepared for buyers with minimal down payment and maximum financing
• Understand that VA appraisals may be more stringent on property condition
• Recognize that military buyers prioritize location, schools, and base proximity

Expert Insight from Tami Price, Realtor® & USAF Veteran

As both a Broker Associate with Real Broker, LLC and Air Force Veteran, Tami Price offers unique dual perspective on how the 50-year mortgage proposal affects military homebuyers in San Antonio.

“I understand the appeal from a military family’s perspective—you’re looking at monthly payment and thinking ‘this gets me into a house I otherwise couldn’t afford,'” Tami explains. “But I’ve also seen too many service members make short-sighted financial decisions that cost them dearly at PCS time. The 50-year mortgage falls squarely in that category.”

Why Military Families Should Be Skeptical

Tami emphasizes several critical concerns specific to service members:

PCS Timeline Mismatch: “The average military family I work with knows they’ll PCS within 3-7 years. Signing a 50-year mortgage for a 5-year stay is like buying a 50-year magazine subscription when you’re moving next year. The structure doesn’t match the reality.”

Equity is Everything at PCS: “When orders arrive, equity determines your options. Do you have enough to cover closing costs and walk away clean? Can you convert to rental with a buffer for repairs? With a 50-year mortgage, most families won’t have those options until year 20-30—long after military service ends.”

VA Loan Alternatives Already Work: “The VA loan program is already incredibly powerful. Zero down, no PMI, competitive rates, BAH gross-up for qualification—military buyers have advantages civilian buyers don’t. We don’t need to ‘fix’ VA loans with 50-year terms; we need service members to use existing benefits wisely.”

For Buyers Considering the Option

If 50-year mortgages become VA-approved, Tami advises military families to:

Run Complete Scenarios: “Don’t just look at monthly payment. Calculate total interest over your likely ownership period. Model your equity position at 3, 5, and 7 years. Compare proceeds from selling with 30-year versus 50-year mortgages. The numbers speak clearly.”

Consider Your Career Stage: “If you’re early career with 10-15 years of active duty remaining and multiple PCS moves ahead, a 50-year mortgage makes even less sense. If you’re retiring to San Antonio and planning 20+ years in the same home, it still doesn’t make sense, but at least the timeline isn’t completely absurd.”

Explore True Alternatives: “Before accepting that you need a 50-year mortgage, explore: Can you buy a slightly less expensive home with a 30-year loan? Can you increase down payment through VA down payment assistance programs? Can you improve credit scores or reduce other debts to qualify conventionally? These solutions build wealth; 50-year mortgages destroy it.”

For Sellers Working With Military Buyers

“If this product launches, sellers should understand that military buyers using it will have minimal equity,” Tami notes. “That affects the resale pool down the line. But more immediately, it means these buyers are maximizing financing—they’ll need homes that appraise cleanly for VA, with no repair issues or condition concerns that could derail the transaction.”

Three Takeaways for Military Homebuyers

1. VA Loans Already Provide Optimal Benefits—Don’t “Fix” What Isn’t Broken

The VA home loan program represents one of the most valuable benefits available to service members, with zero down payment, no PMI, competitive rates, and qualification advantages. Adding 50-year terms doesn’t enhance these benefits—it undermines them by creating massive interest obligations and delayed equity accumulation. Military families should leverage existing VA advantages with traditional 30-year (or shorter) terms rather than embracing extended financing that destroys wealth.

2. 50-Year Terms Multiply Interest Without Meaningful Equity Gain for PCS Timelines

For an E-7 buying a $350,000 home near JBSA, a 50-year mortgage saves $232 monthly but costs nearly $400,000 in additional interest while reducing 5-year equity accumulation by $15,000-$20,000. When PCS orders arrive after a typical 5-year assignment, the monthly savings generated $13,920 total—but the equity deficit and lifetime interest obligations represent catastrophic financial loss. The math simply doesn’t work for military families facing regular relocations.

3. PCS Timelines Make Short-Term Equity Essential—Plan for Assignment Reality

Military families should align loan terms with realistic ownership durations. A 3-5 year assignment suggests either renting or purchasing with aggressive equity-building strategies (larger down payments, 15-20 year terms, principal prepayments). A 5-7 year assignment works well with traditional 30-year VA loans allowing sufficient equity accumulation before PCS. Under no realistic military assignment scenario does a 50-year mortgage make financial sense—the fundamental misalignment between loan structure and ownership duration guarantees poor outcomes.

Frequently Asked Questions

Q: Are 50-year mortgages currently allowed under VA loan guidelines?

A: No. As of November 2025, VA loans are capped at 30-year terms under current Department of Veterans Affairs guidelines and regulations. Extending to 50 years would require VA regulatory changes approving the longer terms, Congressional amendment of Dodd-Frank regulations allowing Fannie Mae and Freddie Mac to insure loans beyond 30 years, and individual lender decisions to offer 50-year VA products. None of these changes have occurred, there’s no timeline for potential implementation, and the VA may reasonably determine that 50-year terms don’t serve veterans’ interests and decline to approve them even if broader regulatory changes occur.

Q: Could a 50-year mortgage help military buyers qualify more easily for JBSA-area homes?

A: Possibly, in terms of pure debt-to-income qualification ratios. Lower monthly payments would help some military buyers—particularly junior enlisted or single service members—meet lender requirements for homes they currently cannot afford. However, this comes at enormous cost: dramatically higher lifetime interest payments (often $350,000-$400,000 additional), minimal equity accumulation during typical assignment durations, and fundamental misalignment between 50-year loan structures and 3-7 year PCS cycles. “Qualifying” for a home you cannot realistically afford based on assignment duration and equity-building needs represents poor financial decision-making rather than genuine affordability.

Q: How would a 50-year loan affect military buyers relocating on PCS orders?

A: Negatively in most scenarios. When PCS orders arrive after a typical 5-year assignment, military buyers with 50-year mortgages will have accumulated $15,000-$25,000 less equity than comparable 30-year borrowers. This reduced equity may be insufficient to cover 6-8% transaction costs when selling, forcing service members to bring cash to closing or convert to rental properties without adequate financial buffer. The monthly payment savings ($200-$300 typically) generated during 5-year ownership totals perhaps $12,000-$18,000—but the equity deficit and lifetime interest obligations far exceed any short-term cash flow benefits. Military families would be better served by 30-year VA loans that build substantial equity within normal assignment timelines.

Q: Will the 50-year mortgage increase home prices near Joint Base San Antonio?

A: Potentially, though the magnitude depends on product adoption rates. If significant numbers of military buyers use 50-year financing, expanded qualification could increase demand in JBSA-adjacent neighborhoods like Schertz, Cibolo, Universal City, and areas near base gates. Without corresponding inventory increases, this demand could drive prices 5-15% higher—particularly in entry-level segments ($200,000-$320,000) where military buyers concentrate. However, this price inflation could erase monthly payment savings, creating affordability illusion rather than genuine improvement. Additionally, housing economists warn that introducing more buyers without addressing supply constraints typically causes exactly this outcome—higher prices negating financing innovations.

Q: What’s the best approach for military families buying homes in San Antonio?

A: Utilize the VA loan program’s existing exceptional benefits with traditional 30-year terms (or shorter), carefully assess realistic ownership duration based on assignment length and career stage, target homes providing strong resale potential to other military buyers (good schools, base proximity, move-in condition), build emergency reserves to handle potential negative equity scenarios if orders arrive during market downturns, and consider rental conversion logistics if you might convert the property when PCS orders arrive. Work with Realtors® experienced in military relocations who understand both VA loan processes and local JBSA-area market dynamics. Focus on building equity quickly through appropriate loan terms rather than minimizing monthly payments through extended financing that destroys wealth over time.

Q: Should military families wait to see if 50-year VA loans become available before buying?

A: Absolutely not. The proposal faces significant regulatory hurdles with no timeline for implementation and may never materialize into actual loan products. More importantly, even if 50-year VA loans become available, they represent poor financial decisions for military families facing typical PCS cycles. Service members should pursue homeownership using current VA loan benefits (which are already exceptional) based on their assignment timelines, family needs, and financial readiness. Delaying homeownership waiting for financing products that may never exist—and wouldn’t serve your interests even if they did—means missing equity-building opportunities during your current assignment.

Q: What if I’m planning to retire in San Antonio after my military career?

A: Even for service members planning long-term San Antonio residency post-military, a 50-year mortgage rarely makes sense. If you’re retiring at 40-45 years old with 20 years of service, a 50-year mortgage extends to age 85-90—well into retirement when you’ll want mortgage-free living on fixed income. A 15-year or 20-year mortgage paid off before or shortly after retirement provides far greater financial security. If you’re retiring at 55-60 with longer careers, a 30-year mortgage already extends to age 85-90. The fundamental issue remains: 50-year mortgages cost dramatically more in interest while building equity glacially slowly, making them poor choices regardless of long-term residency plans.

The Bottom Line

For active-duty service members, veterans, and military families considering homeownership near Joint Base San Antonio, the proposed 50-year mortgage represents a solution in search of a problem that doesn’t exist—at least not in ways this financing structure actually solves.

The VA loan program already provides exceptional benefits specifically designed for military homebuyers: zero down payment, no PMI, competitive interest rates, and flexible qualification incorporating military allowances. These advantages make homeownership accessible for military families at all rank levels in San Antonio’s relatively affordable market. The issue isn’t that VA loans need “fixing”—it’s that adding 50-year terms would undermine their wealth-building potential by dramatically increasing costs and delaying equity accumulation.

The fundamental misalignment between 50-year mortgage structures and typical military assignment durations (3-7 years) creates scenarios where service members save $200-$300 monthly during their 5-year ownership but accumulate $15,000-$25,000 less equity than traditional 30-year borrowers—all while committing to nearly $400,000 additional lifetime interest obligations. When PCS orders arrive, this equity deficit may force cash-to-close scenarios or rental conversions without adequate financial buffers, turning the original “affordability” benefit into a financial trap.

As of November 2025, the 50-year mortgage remains speculative, facing significant regulatory barriers including required VA approval (which may never come), Congressional action on Dodd-Frank amendments, and uncertain lender adoption. Military families should focus on current market opportunities using existing VA benefits rather than waiting for financing innovations that may never materialize and wouldn’t serve their interests even if available.

Whether you’re an E-4 buying your first home near Lackland, an O-3 relocating to Fort Sam Houston, or a retiring senior NCO settling in San Antonio permanently, traditional 30-year VA loans (or shorter terms for rapid equity building) serve military families far better than extended financing that sacrifices wealth for temporary cash flow relief.

Ready for Expert Military Relocation Guidance?

Tami Price, Broker Associate with Real Broker, LLC and USAF Veteran, specializes in helping military families navigate San Antonio’s real estate market with strategies that build wealth rather than destroy it. Whether you’re buying near JBSA on PCS orders, selling before your next assignment, exploring rental property conversion, or planning retirement home purchases, Tami provides insight grounded in both military experience and comprehensive market expertise.

Contact Tami Price, Realtor® today:

Call or Text: 210-620-6681

Visit: www.tamiprice.com

Email: tami@tamiprice.com

Serving military families throughout San Antonio, Schertz, Cibolo, Universal City, Converse, Helotes, and all JBSA-adjacent communities with dedication that honors your service and protects your financial future.

Disclaimer

This blog post is for informational purposes only and does not constitute financial, legal, or investment advice. Military homebuyers should conduct their own due diligence and consult with qualified financial advisors before making real estate decisions. The 50-year mortgage discussed is a proposal as of November 2025 and has not been officially implemented or approved for VA loans.