Serve & Save —
1% Back for Every Year You Served
Veterans and active-duty military buying a home in San Antonio receive a real closing credit for every year of verified active service. A real closing credit — not a thank-you note.
The Serve & Save Program is a veteran closing credit offered exclusively by Christopher Beal of Veteran Real Estate San Antonio: The Beal Group (eXp Realty). It provides eligible veterans and active-duty military a closing credit equal to 1% of the gross buyer's agent commission for every year of verified active service — applied directly on the Closing Disclosure (CD) and approved by the buyer's lender. Christopher is a 3× San Antonio Business Journal Top 25 Realtor (#13 in 2024, #14 in 2025, 2026 winner), 2× RateMyAgent Agent of the Year, U.S. Army veteran, MRP-certified Military Relocation Professional, and Five Star Professional 2026.
How the Serve & Save Program Works
Three steps. Reduces closing costs directly. No gimmicks.
Contact Christopher to register for the program. Provide your DD214 or active orders to verify years of active service. Program must be disclosed and agreed to in writing before entering a purchase contract.
Work with Christopher as your exclusive buyer's agent. Use your VA loan, conventional financing, or cash — the program applies to any loan type as long as credits are lender-approved and within the VA 6% concession cap.
Your credit — 1% of gross buyer's agent commission × verified years of service — appears on your Closing Disclosure (CD). It reduces your out-of-pocket costs directly at the closing table. Not cash after closing per RESPA rules.
The formula: Years of Active Service × 1% of Gross Buyer's Agent Commission = Your Closing Credit. Example assumes a 3% buyer-agent commission. Commissions are negotiable. Maximum credit cannot exceed the VA's 6% total concession cap when combined with all other seller, lender, and agent contributions.
Example Closing Credits
Based on a $400,000 purchase. Example assumes a 3% buyer-agent commission ($12,000 gross). Commissions are negotiable.
Transitioning Veteran
Retiring at JBSA
All credits applied on the Closing Disclosure at settlement and approved by lender. Total concessions from all sources (seller + lender + agent) cannot exceed 6% of loan amount per VA guidelines.
Serve & Save Eligibility Requirements
Open to veterans, active-duty, and reserve component members with verified active service — buying anywhere in the Greater San Antonio area.
Military Service: Active-duty, National Guard, Reserve, or honorably discharged U.S. military veterans are eligible. Years of verified active service determine your credit.
Exclusive Representation: Must work with Veteran Real Estate San Antonio: The Beal Group as your exclusive buyer's agent for the transaction.
Service Verification: DD214 required for veterans. Active duty orders for current service members. Years of active service must be verifiable from official documentation.
Pre-Contract Disclosure: Program must be disclosed and agreed to in writing before entering a purchase contract. Cannot be applied retroactively after a contract is signed.
Lender Approval: Credit is disclosed to and approved by your lender before closing. Applied on the Closing Disclosure (CD) at settlement — not issued as cash post-closing per RESPA regulations.
Not Combinable: The Serve & Save Program is not compatible with other referral programs. Cannot be stacked with other agent referral arrangements.
How It Works with Your VA Loan
Full transparency on how the credit interacts with VA loan regulations.
VA loan guidelines limit total concessions — seller credits + lender credits + agent contributions — to 6% of the loan amount. The Serve & Save credit counts toward this cap. If sellers are already contributing to your closing costs, Christopher adjusts the credit to keep the total under 6%. Your loan compliance always comes first — you'll always be informed of the final credit amount before closing. Your Serve & Save credit is applied at closing on top of any other negotiated credits — see the full closing costs breakdown →
- VA concession cap is 6% of the loan amount — total of all credits combined (seller + lender + agent)
- Serve & Save credit is capped so total credits do not exceed the VA 6% limit
- If sellers are contributing closing costs, credit is adjusted accordingly — you will always be informed
- All credits disclosed to and approved by your lender prior to closing
- Credits appear on the Closing Disclosure (CD) at settlement — cannot be issued as cash after closing per RESPA
- Program must be agreed to in writing before any purchase contract is executed
Questions about your specific scenario? Contact Christopher before you register — every situation is reviewed individually.
Free Appraisal Credit with Our VA Loan Partner
Get pre-approved with our veteran-friendly lender and unlock an additional benefit — a credit covering your VA appraisal cost, on top of your Serve & Save closing cost credit.
Veteran-focused, fast VA pre-approvals, experienced with JBSA relocations, PCS timelines, and VA jumbo loans across the Greater San Antonio market. Using our preferred lender is entirely optional — you are free to use any lender. This is simply an additional benefit available to you.
Start VA Pre-Approval →Why I Created Serve & Save
I'm Christopher Beal — Army veteran, San Antonio resident, and founder of Veteran Real Estate San Antonio: The Beal Group. I know what it means to wear the uniform. I know the stress of a PCS move, buying remotely before you arrive, and trying to navigate VA loans while still serving or transitioning out.
The Serve & Save Program exists because your service deserves a real financial benefit — not a token gesture. Every year you wore the uniform is worth something tangible at the closing table. That's the premise. That's the program.
You protected the American Dream. Now let it pay you back. Every veteran who buys through this program gets a closing credit that reduces real out-of-pocket costs — calculated from your service record, applied at closing, approved by your lender.
Serve & Save FAQ
Answers to common questions about the program.
What is the Serve & Save Program?
How much can I receive?
Do I need a VA loan to participate?
How is my service verified?
When does the credit appear?
Can I combine this with seller concessions?
Can I use this if I was referred by another agent?
Ready to Register for Serve & Save?
Contact Christopher to register. He'll verify your service documentation and confirm your credit amount — typically within 1 business day.
Or call directly: (210) 882-8583 · Email: [email protected]
Related Military & VA Resources
You Served. Now Let It Save You Money.
Get VA pre-approved with our trusted lender and start your home search with a real financial advantage — earned by your service, applied at your closing.