You served our country with honor and dedication. Now, it’s your turn to enjoy the rewards of that service, and for Texas veterans and active-duty military, that includes the incredible opportunity of homeownership right here in the Lone Star State.
A VA home loan is a mortgage program backed by the U.S. Department of Veterans Affairs (VA) designed to help active-duty service members, veterans, National Guard, Reserves, and eligible surviving spouses buy, build, or refinance a home with $0 down payment and no private mortgage insurance (PMI).
A VA loan is one of the best mortgage options for military borrowers, offering unbeatable benefits. If you’re eligible, it’s a powerful way to buy a home in Texas!
The Texas GI Bill, officially known as the Hazlewood Act, is a state benefit providing qualified Texas veterans, their spouses, and dependent children with exemption from tuition and certain fees at public colleges and universities within Texas. Eligible veterans can receive up to 150 credit hours of tuition exemption, provided they served at least 181 days of active duty (excluding training), received an honorable discharge, and entered military service from Texas or were Texas residents upon enlistment. Additionally, unused education benefits under the Hazlewood Act can often be transferred to eligible dependents or spouses, enabling family members to access higher education opportunities without the financial burden of tuition costs. The Texas GI Bill helps veterans and their families achieve educational goals, easing the transition from military to civilian life and honoring their service through tangible educational support.
VA home loans in Texas aren’t one-size-fits-all. Depending on your goals, there are several VA loan programs available:
Our VA loan experts will guide you to the best loan program based on your goals, eligibility, and long-term financial strategy.
VA loans are uniquely advantageous for qualified Texas veterans and service members. With no down payment required, no PMI payments, and attractive interest rates, your path to homeownership becomes simpler and more affordable. VA loans offer flexibility, security, and peace of mind, whether you’re purchasing your first home or refinancing your current property.
Beyond the headline benefits, the VA loan offers advantages that make homeownership more attainable and affordable for our Texas military community:
These benefits of VA loans in Texas are designed to put you in a stronger financial position, both at closing and over the life of your loan.
Your eligibility for a VA home loan in Texas depends on your service history. You may qualify if you meet any of these requirements:
The first step in your homebuying journey is obtaining your Certificate of Eligibility (COE), which verifies your entitlement to VA loan benefits. While the process might seem daunting, our team specializes in helping Texas veterans navigate this crucial first step.
While VA loans eliminate many typical mortgage costs, they do include a funding fee—a one-time payment that helps keep the program running for future generations of veterans. For first-time VA loan users making no down payment, this fee is typically 2.3% of the loan amount.
However, many Texas veterans qualify for funding fee exemptions, including:
Even for those who pay the full funding fee, the long-term savings from eliminated PMI and lower interest rates typically outweigh this upfront cost, which can be financed into your loan amount.
A: While the VA doesn’t set a minimum credit score, most Texas lenders look for scores of 580-620. However, the VA’s flexible guidelines consider your entire financial picture, not just your score.
A: From application to closing, expect 30-45 days—comparable to conventional loans. Working with experienced VA lenders can help avoid delays.
A: Absolutely! You can reuse your VA loan benefit after selling your previous home and paying off the VA loan. In some cases, you may even have remaining entitlement to purchase another home while still owning a property with a VA loan.
A: Rather than strict income thresholds, VA loans focus on your debt-to-income ratio (DTI) and residual income, ensuring you have enough money left after paying debts each month. This approach provides more flexibility than conventional loans.
Ready to take the next step toward homeownership with VA Loans Texas? Get prequalified in just a few minutes and find out how much you can invest in your future.
Discover your qualification amount in 10 minutes or less with our easy, online pre-qualification process.
Get an instant estimate of how much you can qualify for, streamlining your home-buying journey.
Partner with our experienced, local loan experts who are dedicated to providing personalized and knowledgeable support.
Count on us to guide you smoothly through the process, ensuring your loan closes on time, every time. *Conditions must be met.
The VA Loan process in Texas offers flexibility for veterans and active-duty service members, allowing them to purchase a home or condo, build a new home, make home improvements, refinance an existing VA loan, or use a cash-out refinance to access equity for other needs.
Verify your entitlement to a VA loan.
Understand your borrowing power and loan options.
Provide required documents to the VA lender.
Work with a trusted realtor to locate a VA-approved property.
Ensure the property meets VA standards and finalize the loan.
Sign the necessary paperwork and move into your new home.
Your service has earned you access to one of the most powerful mortgage programs available. With a VA loan in Texas, you can buy or refinance with confidence, save thousands in upfront costs, and move into your dream home with the support of a team that understands your needs.
Whether you’re ready to buy today or just beginning to explore your options, we’re here to help every step of the way.
Call us at (877) 280-4833 or fill out our short application form for a personalized consultation with a Texas VA loan specialist. There’s no obligation, just expert guidance tailored to your unique situation.
