Arlington sits squarely between Dallas and Fort Worth, offering fast access to I-20, I-30, and SH-360. The city boasts a strong job base, including the University of Texas at Arlington (UTA), GM Arlington Assembly, and the DFW Airport corridor, as well as established neighborhoods ranging from North Arlington near the Entertainment District to new developments around Viridian and southeast Arlington, for veterans and active-duty families, especially those commuting to NAS JRB Fort Worth or Guard/Reserve units across the Metroplex, VA home loans offer a clear path to homeownership with $0 down, competitive rates, and no monthly PMI.
Buy a primary residence with no down payment (with full entitlement) and no monthly mortgage insurance.
A streamlined refinance of an existing VA loan to lower your rate/payment.
One-time-close financing to build your primary residence that converts to a permanent VA loan at completion.
A VA purchase loan lets you buy a single-family home, a VA-approved condo, or an eligible manufactured home with no down payment when you have full entitlement. Underwriting emphasizes residual income and overall affordability, which can be more flexible than many conventional options. You can also use Basic Allowance for Housing (BAH) toward qualifying if you’re active duty.
VA loans offer competitive price points compared to many DFW suburbs, strong resale demand, and diverse inventory, including established homes in central and north Arlington, as well as newer communities around Lake Viridian and the south/east corridors.
Loans offered by the VA have no monthly PMI, seller credits are allowed toward closing costs, and competitive rates are available. Properties must meet the VA Minimum Property Requirements (MPRs) for safety and livability.
Do you already have a VA loan on your Arlington home? The IRRRL helps you reduce your interest rate and monthly payment with minimal documentation. Many lenders do not require a full appraisal or income re-verification (lender policies vary). You must meet a net tangible benefit test, typically a lower rate/payment or improved loan terms. Occupancy is generally simpler since you’re refinancing an existing VA mortgage.
If you plan to build in Arlington or nearby Tarrant County, a VA construction-to-permanent loan can finance the build and then convert to your long-term VA mortgage at completion, one appraisal and one closing in many cases. Your builder typically must be VA-registered/approved, and plans must meet code and VA MPRs.
Expect to pay interest-only on drawn funds during construction, as well as for lender inspections per the draw schedule, and for primary-residence occupancy once completed.
Quick routes to NAS JRB Fort Worth, DFW Airport employers, and the Arlington Entertainment District.
Diverse price points and property types help you pair benefits like $0 down with manageable payments.
Parks, schools (Arlington ISD/UTA), and medical centers support long-term livability and resale appeal.
Get pre-approved with your COE verified before touring in hot pockets like Viridian and North Arlington. Ask your agent about seller credits to offset closing costs, and consider rate-lock options if you’re timing a PCS or lease end. If building, choose a VA-experienced, VA-registered builder familiar with draw schedules and inspections.
Q: Are there VA loan limits in Arlington (Tarrant County)?
A: If you have full entitlement, the VA does not impose a county loan limit for zero-down purchases. With partial entitlement, a practical limit applies, and a down payment may be required. Your lender will calculate this using your COE.
Q: Can I use BAH to qualify in Arlington?
A: Yes. The Basic Allowance for Housing can be counted as qualifying income when documented according to lender guidelines, which is particularly helpful for those stationed at or commuting to NAS JRB Fort Worth or regional Guard/Reserve units.
Q: What if the home needs repairs to pass a VA appraisal?
A: Your appraiser will check MPRs. Minor issues can sometimes be resolved through seller-agreed repairs or an escrow holdback, if permitted. Your loan officer and agent can work together to coordinate solutions.
Q: Do Texas veterans receive property tax relief?
A: Yes. Texas offers property-tax exemptions for qualified disabled veterans and surviving spouses; the amount depends on the disability rating (up to a 100% homestead exemption for qualifying 100% disabled veterans). Check current Tarrant County and state guidelines to confirm your eligibility.
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.
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Use your hard-earned VA benefits to own in Arlington with $0 down, competitive rates, and no monthly PMI. Get your COE, secure a strong pre-approval, and shop confidently, whether you’re eyeing North Arlington, Viridian, or family-friendly streets near I-20. Your next move begins with a VA-savvy loan team that prioritizes your service.
VA loans are made by private lenders and backed by the U.S. Department of Veterans Affairs. Terms, eligibility, and rates depend on service history, credit, income, property type, and lender overlays. Call us today at (877) 280-4833 to consult with a licensed loan professional for personalized advice.
