Bexar CAD Portal

VA loan opportunities

Public-record leads only: BCAD disabled-veteran exemptions (DVHS / DV1–4), recent ACT Tax escrow payers, and clerk Deeds of Trust — not VA disability lists.

Why we pursue these leads

A BCAD DVHS / DV* exemption means the county already recognizes a disabled-veteran homestead benefit. Many of those owners still carry a conventional or non-VA lien (or a high-rate loan). The outreach thesis: offer a no-obligation review of whether a VA purchase / cash-out / IRRRL Refinance could lower payment, drop PMI, or use funding-fee exemption where they qualify — without claiming we know their VA file.

  • Hot — DV* plus fresh commercial mortgage evidence: lender tax escrow within ~2 years, and/or a commercial Deed of Trust within ~10 years. Stale escrow alone does not make hot (DVHS often means $0 tax after the exemption).
  • Warm — strong veteran signal, weaker or older financing evidence — still worth a soft check after clerk / tax refresh.
  • Watch — veteran signal only; need enrichment before calling.

Sample homeowner approach (phone / door)

Keep it public-record honest. Do not cite disability rating or imply access to VA medical data.

Hi [Name] — this is [Your name] with [Company]. I help Bexar County homeowners who already have a disabled-veteran property-tax exemption on the appraisal roll.

I'm not calling from the VA or the tax office. County records show a veteran homestead exemption on [street], and there may still be a mortgage or Deed of Trust on the property. A lot of veterans in that situation are on a conventional loan and haven't checked whether a VA loan benefit — including possible funding-fee exemption — would lower the payment or remove PMI.

Would you be open to a short, no-obligation review of your current loan versus VA options? If you're already on a great VA rate or paid off, I'll get out of your hair. If not, I can tell you in plain numbers whether a refinance or new VA loan is even worth pursuing.

Is now a bad time, or is there a better day this week?
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Rebuild scores after tax/clerk enrichment so tiers refresh. Lender tax payers older than ~2 years and Deeds of Trust older than ~10 years are treated as historical only. If the list is empty on Railway, click Rebuild scores once (admin).