Serving the Military Community at Lackland Air Force Base
Lackland Air Force Base in San Antonio, Texas, is home to a proud military community, including active-duty Air Force members, veterans, and military families. Whether you are arriving for basic training, transitioning to a new duty station, or settling into civilian life, finding the right home loan near Lackland AFB can make your move smoother and more affordable. The Hero Mortgage Loan program is designed to honor your service and provide exclusive benefits that help you achieve your homeownership goals in Texas.
Sr. Mortgage Broker
NMLS #384936 C2: NMLS #135622
Discover why clients choose Kevin Guttman for their mortgage needs.
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Thank you for being a HERO, I want to offer you a credit for your appraisal fee when we close on your loan.
It’s a small way for me to say thank you.
Can be used on a purchase or refinance. To cover the actual cost of the appraisal, up to $750. May result in a higher interest rate.
VA home loans are government-backed mortgages offered exclusively to eligible veterans, active-duty service members, and surviving spouses. Insured by the U.S. Department of Veterans Affairs, these loans make homeownership more affordable by eliminating the need for a down payment and private mortgage insurance while offering competitive interest rates.
VA loans are designed for veterans, active-duty military members, National Guard and Reserve service members, and eligible surviving spouses. These loans provide financial advantages that make it easier to purchase a home, refinance an existing mortgage, or even access home equity.
VA loans require no down payment, meaning eligible borrowers can finance 100 percent of the home’s purchase price. There is no PMI requirement, which significantly lowers monthly payments. VA loans also feature lower interest rates, flexible credit requirements, and no loan limits for eligible buyers.
VA loans include VA Purchase Loans, which allow eligible buyers to purchase a home with no money down, and VA Interest Rate Reduction Refinance Loans (IRRRLs), which help lower interest rates on existing VA mortgages. VA Cash-Out Refinance Loans allow veterans to tap into home equity for debt consolidation or home improvements.
VA loans offer zero down payment, making homeownership more accessible without the financial burden of a large upfront cost. No PMI reduces monthly mortgage payments, saving borrowers thousands over the life of the loan. VA loans also provide lower interest rates, flexible credit requirements, and limits on closing costs to make home buying more affordable.
VA loans offer zero down payment, making homeownership more accessible without the financial burden of a large upfront cost. No PMI reduces monthly mortgage payments, saving borrowers thousands over the life of the loan. VA loans also provide lower interest rates, flexible credit requirements, and limits on closing costs to make home buying more affordable.
Kevin Guttman is a dedicated Sr. Mortgage Broker committed to helping America’s heroes achieve their dreams of homeownership. With years of experience specializing in tailored mortgage solutions, Kevin serves veterans, active military personnel, first responders, educators, medical professionals, ministers, and transportation workers. He is known for his personalized approach, clear communication, and extensive knowledge of VA, FHA, USDA, Conventional, Jumbo, Reverse Mortgages, and Construction loans.
Driven by a passion to serve those who serve others, Kevin ensures that every client receives attentive guidance. Whether you’re purchasing your first home, refinancing, or building your dream home, Kevin’s mission is to simplify the mortgage process, making it efficient and rewarding for heroes across the nation.
Kevin also leads Reverse Mortgage Revolution, helping retirees unlock equity and eliminate monthly mortgage payments.
A portion of the proceeds from each loan are donated to a few carefully selected charities
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Military life can come with tight timelines, unique housing needs, and frequent relocations. Our program provides solutions that work for your lifestyle, including:
Low or no down payment options
Up to $750 in appraisal credit at closing
Fast closings to meet PCS deadlines
High approval success rates
Access to VA, FHA, USDA, and conventional loans
With years of experience helping military borrowers, Kevin understands the local Tacoma and Lakewood housing markets and can help you navigate your options with confidence.
The communities around Lackland AFB offer a variety of housing options, from vibrant neighborhoods in San Antonio to quieter suburban areas. We help you compare your options, understand your eligibility, and choose the loan program that fits your needs. Our process is straightforward and built to keep you informed at every step.
Thank you for what you do—now let us serve you.
– Kevin A. Guttman, Sr. Mortgage Broker
We’re committed to doing business the right way. That means establishing a positive track record in the marketplace, advertising honestly, and always telling the truth about our services. We’re fully transparent about who we are, how we operate, and the guarantees and procedures that guide your decisions. Our goal is to earn your trust at every step.
We honor every promise and respond to every concern with professionalism and good faith. Your privacy matters to us—we safeguard your data and use it responsibly. Above all, we approach every client and transaction with integrity, from the first conversation to the closing of your loan. You can count on us to deliver with clarity, honesty, and respect.
Yes. Many Lackland AFB borrowers combine their VA loan benefits with our program perks, including no down payment, competitive rates, and reduced closing costs.
Yes. Our fast-closing process is designed to fit military timelines, making PCS transitions easier and less stressful.
In addition to VA loans, we offer FHA, USDA, and conventional loans. We’ll help you decide which is the best fit for your needs.
Yes. You can refinance your current home to lower your rate, access equity, or change your loan terms, all while benefiting from our program perks.
Book a quick call with Kevin to discuss your goals, learn your options, and find out exactly what you can afford and qualify for.
