No Minimum Credit Score for VA Loans* · FHA From a 500 Score
Happy Texas family with a SOLD sign in front of their new home
No Minimum Credit Score for VA Loans*

Experience You Can Trust.
Service You'll Remember.

Casual-luxury real estate service across the Texas Hill Country — specializing in VA loans and buyers who've been told "no" before.

Start Your Home Search

Search Available Properties

Schertz · Cibolo · New Braunfels · Greater San Antonio, TX

Pick your area and I'll personally send you matching listings — you'll always work directly with me, never a random agent.

$0
Down Payment on VA Loans
No Min.
Credit Score Required*
300+
Families Guided Home
Top 1%
Corridor Sales & Listings
Excited couple celebrating great news about their home
My Specialty

The agent for buyers who were told they couldn't.

I'm Kristy Russo, a top-ranking sales and listing agent with RE/MAX Corridor. My heart — and my expertise — lives with two groups of people: veterans using their VA benefits and buyers who've faced credit challenges.

Because I partner with a genuinely flexible lender, I can often say "yes" when the big banks say "no." No shame, no lectures — just a warm, casual-luxury experience and a real plan to get you home.

VA Loan Expert
Credit-Friendly
Top Corridor Agent
Plan with Confidence

What could your payment look like?

Home Loan Calculator

$

= 0.0% down

Est. Monthly Payment · VA

$2,012.66
Principal & Interest$2,012.66
VA Funding Fee (financed)$6,880

Estimates only — actual rates & fees vary. Let's get you a real quote from my flexible lender.

Financing, Made Easy

My preferred lending partner

Kristy's Preferred Lender

Sharon Campbell

Senior Loan Officer · Veteran Mortgage One

Sharon is my go-to lending partner and the reason I can say "yes" so often. She specializes in VA loans and works with genuinely flexible guidelines — including no minimum credit score on many VA loans.

VA loan specialist
Flexible credit guidelines
Fast, secure online application
Referred & trusted by Kristy
SC
Ready in minutes

Start a fast, secure online application. Your progress is saved to your referral from Kristy.

Homes closed. Hearts full.

"Two lenders told us no because of our credit. Kristy connected us with hers and we closed with $0 down. She truly puts heroes into homes."

Marcus & Dana T.
U.S. Army Veteran · Cibolo

"I thought a past bankruptcy meant I'd rent forever. Kristy gave me an exact plan and a date. We beat it by two months."

Sofia R.
First-Time Buyer · Schertz

"Moving to Texas felt overwhelming until Kristy walked us through everything. Casual, warm, and incredibly sharp on negotiation."

The Alvarez Family
Relocated from California
Contact Me

I'm happy to help!

Whether you're buying, selling, or just wondering if you'd qualify — send a note. I personally read and reply to every message.