Serve & Save —
A Closing Credit for Every Year You Served
Veterans and active-duty military buying a home in San Antonio receive a closing credit equal to 1% of the buyer-agent commission for every year of verified active service — applied on your Closing Disclosure to reduce your closing costs.
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 Individual Agent (#13 in 2024, #14 in 2025, #20 in 2026), 2× RateMyAgent Agent of the Year, U.S. Army veteran, MRP-certified Military Relocation Professional, and 2026 Five Star Real Estate Agent Award.
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 a VA loan, conventional or FHA financing, or cash. When you finance, your lender approves the credit and confirms how it applies under your loan program.
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. The examples below assume a 3% buyer-agent commission; commissions are negotiable. The final credit depends on your loan program's rules, lender approval and the closing costs it can cover.
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 are applied on the Closing Disclosure at settlement and approved by your lender. With VA financing, seller concessions have their own limit — see the VA section below.
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 rules.
For VA financing, seller concessions are limited to 4% of the home's reasonable value shown on the VA Notice of Value. Ordinary allowable closing costs a seller pays are separate from that 4% limit, so it is not a blanket cap on every credit. Your lender decides how the Serve & Save credit is classified and applied, and you'll know the final amount before closing. See the full San Antonio closing costs breakdown →
- VA seller concessions are limited to 4% of the reasonable value on the Notice of Value
- Ordinary allowable closing costs paid for the buyer are separate from the 4% concession limit
- Your lender reviews every credit and confirms how the Serve & Save credit applies — 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.
Appraisal Credit Offer from Our Preferred VA Lender
Get pre-approved with our preferred VA lender and ask about their appraisal credit. It is the lender's offer, separate from Serve & Save, and subject to the lender's current terms.
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, and Serve & Save applies either way.
Start VA Pre-Approval →Why I Created Serve & Save
I'm Christopher Beal — Army veteran, San Antonio resident, and the founder and Owner of Veteran Real Estate San Antonio: The Beal Group, brokered by eXp Realty. 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 lower your closing costs. 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 pre-approved with the lender you choose and start your home search with a real financial advantage — earned by your service, applied at your closing.