Texas honors your service with the VA home loan, a powerful benefit offering eligible veterans, active-duty members, and military spouses: no down payment and competitive rates to buy homes across the Lone Star State.
A VA loan is a government-backed mortgage specifically for veterans, active-duty service members, National Guard members, Reservists, and eligible surviving spouses. This program helps you purchase, refinance, build, or improve a home in Texas with no down payment, limited closing costs, and more favorable terms than most conventional loans.
VA home loans aren’t issued by the government, they’re provided by VA-approved lenders like us and supported by a VA guarantee, which gives you more buying power and peace of mind.
Your service to our country doesn’t go unnoticed in Texas. The VA home loan program offers benefits that make buying a home more accessible and affordable:
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.
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.
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.
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 (713) 999-6151 or complete 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.
The Texas Mortgage Pros, LLC. is not affiliated with an agency of the federal government, HUD or FHA. THIS IS NOT A GOVERNMENT DOCUMENT. HUD or FHA did not distribute or approve this material.
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.
