VetsInHomes

AZ · CA · FL · TX

Local VA loan guides for the markets I lend in.

Every market has its own quirks — insurance in Florida, property taxes in Texas, entitlement math in California, and appraisal issues that vary block to block. These 20 guides cover what actually matters where you are buying.

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Arizona

Arizona offers a property-tax exemption for veterans with a service-connected disability, subject to an assessed-value and income cap that the Legislature adjusts periodically. It is smaller than the Texas or Florida exemptions, so budget for full property taxes and treat the exemption as upside. Apply through your county assessor.

Phoenix, AZPhoenix–Mesa–Scottsdale Glendale, AZWest Valley / Luke AFB Tucson, AZTucson / Davis-Monthan AFB Sierra Vista, AZSierra Vista / Fort Huachuca Yuma, AZYuma / MCAS Yuma

California

California's Disabled Veterans' Exemption reduces the assessed value of a principal residence for veterans rated 100% disabled (or compensated at the 100% rate), with a larger low-income tier. The exemption amount is inflation-adjusted each year. Filed with your county assessor, not the VA.

San Diego, CASan Diego Oceanside, CANorth County / Camp Pendleton Fairfield, CASolano County / Travis AFB Riverside, CAInland Empire / March ARB Sacramento, CASacramento

Florida

Florida is one of the strongest states in the country for disabled veterans: a total exemption from homestead property taxes for veterans rated 100% permanent and total service-connected disabled, plus a $5,000 exemption at 10%+ and an age-65 combat-disabled discount proportional to the rating. Filed with the county property appraiser.

Jacksonville, FLJacksonville / NAS Jax & Mayport Pensacola, FLPensacola / NAS Pensacola Tampa, FLTampa Bay / MacDill AFB Crestview, FLEmerald Coast / Eglin & Hurlburt Orlando, FLCentral Florida

Texas

Texas has no state income tax and comparatively high property taxes — but veterans rated 100% disabled or unemployable receive a total exemption on the homestead residence, and partial exemptions scale with the disability rating. Surviving spouses may keep it. Filed with the county appraisal district.

San Antonio, TXSan Antonio — “Military City, USA” Killeen, TXCentral Texas / Fort Hood El Paso, TXEl Paso / Fort Bliss Corpus Christi, TXCoastal Bend Fort Worth, TXDallas–Fort Worth

Do not see your city? I still lend anywhere in Arizona, California, Florida and Texas — these are just the markets I write about most.

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  • Zero down on a VA purchase with full entitlement, and no monthly mortgage insurance.
  • Licensed in AZ, CA, FL & TX — one lender across your sale and your purchase.
  • Straight answers. If a VA loan is the wrong tool for your situation, I will say so.

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