Texas VA Home Loans
If you are a military veteran or still in active service, you may be eligible for a U.S. Department of Veterans Affairs (VA) loan. These often do not require a down payment and are less closed, which can help protect your savings.
A VA loan is a mortgage loan guaranteed by the Department of Veterans Affairs (VA) in the United States. Qualified can be issued by qualified donors. The VA loan was designed to provide long-term financing to eligible American seniors or their surviving spouses (they do not remarry).
Mortgage TX VA Home mortgage with a mortgage and dedicated mortgage consultants Welcome home here and thank you for your service. We have VA home loan experts who will help you enter your new Texas area. We are dedicated to you and your future and specialize in Texas Veterans Affairs. We will work with you throughout the home purchase process as your VA consultant and ensure that government assistance with your VA home loan is maximized. If you have problems with your credit, need help finding a realtor, or have general questions before you start the purchase process, we are here to help. We work to build long-term relationships, and once you become our customer, we want to make sure your life is taken care of. Mention us with your other military friends in Texas if you need a home loan and help us find the best VA financing programs available for any type of loan.
As a VA loan specialist, we offer both the regular VA Guaranteed Loan program and as an approved Texas Veteran Land Board (VLB) lender. We also offer the Texas Vet Loan program for Veterans with disabilities. As part of our mission to serve you, we provide a home loan guarantee facility and other housing-related programs to help you purchase, build, repair, maintain or adapt a home for your own personal occupation. VA homes are provided by private donors such as banks and mortgage companies VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms. Even then, our VA loan specialists are here to help you every step by step. As a direct lender, we offer in house underwriting and can close loans fast typically in 30 days or less
Requirements for VA Mortgage Loans
VA Home Loans in Texas
To be eligible for a VA loan, must meet the basic service requirements set by the Department of Veterans Affairs (VA), have a valid Certificate of Qualification (COE), and meet the creditor’s credit and income requirements you or your spouse.
You may be eligible for a VA loan by fulfilling one or more of the following requirements:
- You have served 90 consecutive days of active service during wartime, OR
- You have served 181 days of active service during peacetime, OR
- You have 6 years of service in the National Guard or Reserves, OR
- You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.
You may still be eligible? Apply online, call or mail and talk to our home loan specialist for a VA home loan
Documents needed to start your VA home
Veterans need to provide a variety of documents related to both military service and personal income. These documents include, however, VA certificate of veteran eligibility, W2 statement of last 2 years, one month of recent LES or pay stub, two months of most recent bank statement, copy of DD214 (if the veteran is exempted / separate from military). We look forward to working with you on your services and your Texas VA mortgage.
Key points of VA home loan facility
No down payment required
(Note: Lenders may require down payments for some borrowers using the VA home loan guaranty, but VA does not require a down payment)
- Competitively low-interest rates
- Limited closing costs
- Easier Qualifying
- Alternate Credit OK
- 4% Seller Concessions
- No Prepayment Penalties
- The VA home loan is a lifetime benefit. You can use the guarantee more than once
- 30, 20, and 15 years fixed rate and 5 year ARM loans are available
- Up to 100% Refinance of your primary home’s value
- VA streamlines refinancing with reduced funding fees and flexible documentation requirements
- Buy a home with no down money (primary home) (primary home)
- No monthly PMI (Private Mortgage Insurance)
- VA loans are governed by the U.S. Department of Veterans Affairs