Buy a brand-new home with your VA loan
No down payment. No monthly mortgage insurance. And a veteran in your corner who gets the builder to throw in extras. I'm Rami — a 100% disabled Air Force and Army veteran who helps first-time buyers and fellow veterans buy new homes all over San Antonio.
Yes — your VA loan works on a new build
Here's what that means for you, in plain English.
No money down
If you qualify, you can buy a brand-new home without a down payment.
No PMI
Other loans add an insurance fee to your monthly payment. VA loans never do — so your payment stays lower.
Builder has to take VA
The community just needs to accept VA loans. Most San Antonio builders already do — I confirm it before you sign.
You're protected on price
If the home doesn't appraise for what you're paying, you can walk away and keep your deposit.
A 1-year warranty
New homes come with a builder warranty, so you're covered after you move in.
Disabled vets save more
Get VA disability pay? You skip the VA funding fee — thousands saved at closing.
New-construction homes I've helped buyers land
Closing costs covered. Prices dropped. Payments lowered. This is what having your own agent looks like.
A realtor who closes
Rami's production over the last 12 months across San Antonio.
The model-home salesperson works for the builder
Not for you. Bringing me along from your very first visit costs you nothing and changes the whole deal.
I make sure your VA loan will actually work there
Some communities aren't set up for VA loans, and signing before you know that can cost you your deposit. I check first, so there are no nasty surprises later.
I squeeze the builder for extras
Free appliances, zero closing costs, price reductions, a lower monthly payment, free upgrades — builders expect a buyer with an agent to ask, and I push for every perk I can get you. My clients regularly walk away with thousands in savings and extras they didn't know were on the table.
I educate you on the whole process
New construction has a lot of moving parts. I break every step down in plain English — financing, builder contracts, timelines, and the assistance programs you may qualify for — so you always know what's happening and why.
I've got your back to the finish line
Inspection, appraisal, build delays, closing day — I handle the moving parts so a months-long build never derails your loan or your nerves.
Four simple steps
We talk — free
A quick, no-pressure chat about what you want and what you can qualify for.
I check the home & builder
I confirm the community takes VA loans and that the deal is fair — before you sign a thing.
I negotiate your perks
I push the builder for paid closing costs, a lower payment, or free upgrades.
You get the keys
I'm with you through inspection, appraisal, and closing day.
A veteran who's been there
I served in both the Air Force and the Army, and I'm a 100% disabled veteran. I've used the VA loan, the disabled-vet fee waiver, and Texas's property-tax break myself — so I know them inside out, not from a brochure. When you're buying a new home, that means someone in your corner who knows exactly what to ask the builder and which benefits you've earned.
Why the VA loan usually wins
| VA loan | Regular loan | FHA loan | |
|---|---|---|---|
| Money down | $0 | 3%–20% | 3.5% |
| Monthly insurance fee | Never | Until you owe less | For the whole loan |
| Walk-away protection if it's overpriced | Sometimes | Sometimes | |
| Best fit for | Veterans | Strong credit | Lower credit |
For most veterans buying new construction, the VA loan is the strongest choice. We'll confirm what fits your situation together — no jargon, no pressure.
"Rami was a tough negotiator — he worked our price down by 8 grand and even got them to throw in a fridge. We're a military couple buying from out of state, and he made it his mission to get us the home we wanted. He even picked up the keys for us after closing."
Rami was outstanding throughout the entire home-buying/selling process!! He was knowledgeable, responsive, and always available to answer questions when they came up. His expertise and attention to detail made everything smooth and stress-free. I truly appreciated his professionalism and dedication to getting the deals. I would highly recommend him to anyone looking for a trustworthy realtor!!
Really grateful I clicked on Rami's Instagram ad and decided to go with him. I was able to purchase my brand new home, and he made the buying process super easy! Thank you, Rami!
Rami was so helpful, went out of his way to help me get my beautiful home!
Rami is really clear and straightforward about the entire process. He was extremely patient and answered all of my questions thoroughly. He's connected to all of the best communities no matter what part of town you want to be in, found me incentives I didn't even know I'd be qualified for. The entire move-in process was really smooth and he was by my side the entire way. Even after moving in, he reached out to make sure everything is going well.
We couldn't have asked for a better guide than Key Turn & Co. Realty Group for our first home purchase. They truly listened to what we wanted, were incredibly patient, and masterfully negotiated on our behalf. Working with Rami was an absolute pleasure — professional, responsive, and deeply knowledgeable about the local market. He went above and beyond to ensure we found the perfect property. 5 stars all the way!
My experience with Key Turn was the best in home buying I ever experienced. Everything about the process that was promised was exactly what we experienced. The expert research that was done before we started looking at homes made the search smooth and easy. I appreciate our realtor Rami and how he walked us through the process without a hitch. We LOVE our new home!
I'm so grateful for Rami and his realtor services. I saw his ad on Instagram and messaged him to see if I qualified for any of the homes he was advertising. He contacted me right away, then again the next day about the mortgage loan I qualified for. He gave me builder options, set up tours of new-built homes, and was right by my side as the builder presented the home, price, and incentives. He even helped me buy out my remaining apartment lease. I'm grateful to him for helping make my dream of becoming a homeowner a reality.
Rami handled my spur-of-the-moment purchase with incredible ease. He approached each interaction very professionally and really had my best interests in mind. He is knowledgeable, pro-active, and makes himself available — which is so important throughout the home buying experience. I would highly recommend Rami, and my expectations are exceptionally high.
Rami was a very professional realtor and tough negotiator while searching for our home in San Antonio. He worked our price down by 8 grand and even convinced them to throw in a fridge. We are a military couple navigating the buying process all the way from Maryland, and he had no problem bridging the distance for us. He even picked up the keys for us after closing since we weren't in town yet. You can't go wrong with this realtor!
Rami was excellent in every way. Considering we found and closed on exactly the house I wanted during the COVID-19 epidemic, it's easy to say he went above and beyond. He was honest about homes he wasn't positive on, so his opinions are genuinely helpful. I ended up in a house with the exact features I had given him as mandatory. I highly recommend this realtor.
Rami is an excellent real estate agent. He is knowledgeable about the process and guides you throughout. His negotiation skills are unmatched. I've already used him for multiple transactions and every time he exceeded my expectations. I strongly recommend Rami for your real estate needs.
Great experience with Rami selling my home.
Common questions
Tap a question to see the answer.
Thinking about a new home?
Talk to me before you walk into a model home. It's free, there's zero pressure, and it's the best way to keep the builder honest and the perks in your pocket.