VetREFS

Veterans helping veterans

Transform Your Credit Into Homeownership

Dedicated credit repair and home buying guidance designed specifically for veterans.

Serving all of the Harker Heights, TX area

Every veteran deserves the stability and pride that comes with homeownership, but navigating credit challenges and complex financing can feel overwhelming. VetRefs was founded by U.S. Army veteran Jacob Paxton, who transitioned from military service in 2010 with a clear mission: to help fellow veterans overcome financial obstacles and achieve their homeownership goals. We understand the unique challenges you face because we've walked that path ourselves.

Our approach combines military precision with personalized attention, ensuring you receive clear communication and strategic guidance throughout your journey. From credit assessment to closing day coordination, we provide the structure and support that makes the difference between struggling alone and achieving success. You'll work with professionals who understand military transitions and the specific financial landscapes veterans navigate.



VetRefs operates on the principle that "We always place the mission first, and you are the mission." This means your homeownership goals drive every recommendation we make and every service we provide. Our team has successfully guided over 200 veterans through credit improvement and home purchases since 2010, creating lasting stability for military families. Whether you're dealing with deployment-related credit issues or simply need guidance on VA loan benefits, we're committed to ensuring no veteran feels left behind in the process.


Contact VetRefs today to begin your personalized assessment and take the first step toward homeownership.

Secure Your Family's Future Through Homeownership

Veteran Home Buying Assistance That Honors Your Service

VA Homebuyer Credit Repair

New Home Construction

Home Reselling Services

Contact Us

Veteran Owned and Operated

Founded by Veterans for Veterans
Your homeownership mission is our mission, backed by military experience and commitment.

Comprehensive Support From Financial Readiness to Closing

Your path to homeownership requires more than just credit repair—it demands strategic planning, expert guidance, and unwavering support throughout the entire process. We coordinate every aspect of your journey, from initial financial assessment through closing day celebration. Our veteran-focused approach addresses the specific challenges military families encounter, including deployment impacts on credit, understanding VA benefits, and navigating civilian financial systems. You'll receive clear timelines, regular progress updates, and direct access to your dedicated support team.


Here's how we ensure your success as a veteran homebuyer:

  • Strategic credit repair targeting specific issues that impact mortgage approval rates
  • VA loan optimization that maximizes your benefits and reduces out-of-pocket costs
  • Financial readiness planning that aligns your timeline with your homeownership goals
  • Local market guidance that helps you find the right home in veteran-friendly communities


Ready to start your homeownership mission? Contact us for your complimentary financial readiness assessment.

VetRefs was built specifically for the veteran community, addressing the gap between military service and civilian homeownership success. Founded by Jacob Paxton after his military transition, our company has maintained an average credit score improvement of 127 points for veteran clients within their first year of service. We understand the unique financial challenges veterans face, from understanding civilian credit systems to maximizing VA loan benefits effectively.



Your success is measured not just by credit score improvements, but by the long-term stability homeownership provides for your family. We maintain transparent communication throughout your journey, providing detailed progress reports and clear next-step guidance that removes uncertainty from the process.


Contact VetRefs at your convenience to discuss how we can help you achieve the homeownership stability you've earned through your service.

Why Veterans Choose VetRefs for Their Homeownership Journey

  • Harker Heights, TX
  • Austin, TX
  • San Antonio, TX
  • Houston, TX
  • Dallas, TX
  • Fort Worth, TX

Our Service Area

We always place the mission first, and you are the mission