Do you only offer VA loans?

No. I'm a Mortgage Loan Originator with Edge Home Finance, LLC, a mortgage broker, so I can shop a file across many lenders. VA is the majority of what I do, and I also handle FHA, Conventional, USDA and Non-QM.

Do you only service the Dayton and Cincinnati markets?

Dayton and Cincinnati are the majority of my business. I am personally licensed to originate mortgage loans in 34 states, and through the Edge Home Finance, LLC corporate referral program I can help veterans in every state except New York. Edge Home Finance, LLC is licensed in 49 states and the District of Columbia and does not arrange, solicit, or originate mortgage loans for real property located in the State of New York.

Disabled Veteran Property Tax Exemption Guide

Carlos Scarpero on property tax discounts for veterans receiving VA disability compensation.

Last reviewed August 26, 2026. Every figure, form and deadline on this page is re-checked against the state’s own government sources once a quarter, and the date above is updated when we do it.

There is no national disabled veteran property tax exemption. There are 51 of them, one per state plus the District of Columbia, and they disagree with each other about almost everything: the rating you need, whether the benefit is a dollar amount or the whole bill, which office you file with, what the deadline is, and whether a surviving spouse keeps it.

That is why this guide is a directory rather than one long article. I wrote a dedicated page for every state. Each one covers what the exemption is worth, exactly who qualifies, the form number to file, the office to file it with, the filing deadline, whether you can get prior years refunded, and the part most articles skip: whether a lender can count it before you close.

I am a VA loan specialist, not a tax preparer, so I care about this for a specific reason. Whether an underwriter is allowed to count the exemption before closing can be the difference between an approval and a denial on a tight file. Four states put a pre-purchase determination in the statute, Virginia, Maryland, Utah, and Alabama for closings on or after October 1, 2026. Everywhere else it is a lender decision, and lenders disagree with each other, so it is worth shopping. Each state page answers that question for that state.

At a glance

What it is	A reduction in, or full exemption from, the property tax on your home, granted by your state and administered by your county. It is separate from anything the VA does.
Who administers it	Your county assessor, auditor, revenue commissioner or tax collector. There is no federal application and no VA form for this.
Rating needed	Set by each state. Some states start at a 10 percent service-connected rating, many require 100 percent permanent and total, and several sit in between.
Typical value	Anywhere from a few hundred dollars a year to the entire property tax bill, depending on the state and your rating.
Surviving spouses	Most states extend some version of the benefit to an unremarried surviving spouse, with the conditions varying widely.
VA funding fee	Different benefit, federal, and not optional: at a service-connected rating of 10 percent or higher the VA funding fee is waived outright.
Not the same as	Homestead exemptions for age or income, veteran income tax exemptions, or the VA’s own Specially Adapted Housing grants.

This is not tax advice. Property tax relief is administered locally, and the dollar amounts are adjusted from year to year. Every figure here is dated and linked to its official source so you can check it. Confirm the current numbers, forms and deadlines with your county office before you rely on any of it.

Find your state

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Every state plus the District of Columbia is covered. If you do not see yours in the chart above, tell me and I will fix it the same day.

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