Zero Down Payment Home Financing from a Trusted Texas VA Lender
Welcome to Lone Star Financing – Your trusted VA partner in Texas – proudly serving Texas veterans with affordable home financing. We specialize in veteran home loans, offer low rates and in-house underwriting to close fast.
Lone Star Financing is a trusted VA-approved lender in Texas, helping veterans and active-duty service members purchase or refinance with confidence. From home purchases to VA IRRRL streamline refinances, our experienced team simplifies the VA loan process for a smooth, stress-free experience.
VA LOAN QUALIFICATIONS:
- Military Service: Active duty service, or eligible National Guard or Reserve member
- Discharge Status: Must have received an honorable discharge
- Service Length: 90 days of wartime service or 181 days of peacetime service
- Spousal Eligibility: Surviving spouses of veterans who died in service or from a service-related disability may also qualify
- 2026 Loan Limits $832,750: standard VA loan limits for most Texas counties
$832,750 MAX VALUE
Minimum FICO Credit Score
620
Minimum Down Payment
0%
Maximum Loan To Value
100%*
Maximum Debt To Income
41%*
Mortgage Insurance
NO
Years Since Bankcruptcy
2
Years Since Foreclosure
2
Special Qualification Requirements
Must be U.S. Veteran
Veteran Loan Benefits
- No Down Payment: Texas VA loans allow veterans to purchase homes with zero down payment and no PMI
- No Loan Limits with Full Entitlement: Veterans with full VA entitlement can borrow without loan limits, offering maximum flexibility
- Lower Interest Rates: VA loans provide lower rates compared to other loans
About VA Home Loans
VA loans are a valuable home financing benefit available to eligible veterans, active-duty service members, and their families. In Texas, VA financing offer features such as no down payment options, flexible credit requirements, and competitive terms designed to make homeownership more accessible.
David Howes
Sr. Loan Officer
NMLS #1438746
Chris Lederer
Production Manager
NMLS #2004549
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Ryan Wood
Sr. Loan Officer
NMLS #1757471
Brett Dempsey
Branch Manager
NMLS #2014728
Get Prequalifed Today!
Start your mortgage pre-approval online!
Trusted Lender for VA Loans in Texas
CALL (855) 314-8080
Lone Star Financing is an approved VA lender in Texas, and we are proud to serve those who have served our country. That’s why we offer specialized mortgage solutions tailored specifically for U.S. veterans, active-duty service members, and their families. With a deep understanding of VA loans, we are committed to guiding you through the process, ensuring you maximize your benefits and take full advantage of government assistance.
Whether you’re purchasing your first home or refinancing, we’re here to make your journey as smooth and rewarding as possible. New home purchases and VA “IRRRL” Streamline Refinance Loans, or a VA Refinance Cash Out Conversion refinance loan options available.
Things to Know
Texas VA mortgages offer several advantages for eligible veterans, active-duty service members, and their families. One of the biggest benefits is the option for zero down payment, which significantly reduces the upfront costs of purchasing a home. Texas veteran loans provide unbeatable benefits, including zero down payment, competitive interest rates, and no private mortgage insurance, making homeownership more accessible and affordable than ever.
A few highlights for VA Loans in Texas:
- Lower Rates
- 2026 Loan Limits $832,750
- TX VET Program Available
- Easier Qualifying
- Alternate Credit OK
- 4% Seller Concessions
- No Prepayment Penalties
- Funding Fee can be Financed
- Manufactured Housing OK (subject to restrictions)
Texas VA loans also come with competitive interest rates and no private mortgage insurance (PMI) requirement, potentially lowering overall monthly payments. Additionally, the program provides flexible credit requirements, making homeownership more accessible to those with varied credit histories.
Benefits of a VA Home Loan
VA home loans offer a range of benefits, including the ability to purchase a home with zero down payment and competitive interest rates, which can significantly reduce your upfront costs and monthly payments. With no private mortgage insurance (PMI) required, you’ll save even more over the life of the loan.
- No Down Payment: One of the most significant benefits is the ability to finance up to 100% and have zero down payment. We offer Zero down 100% Finance Options.
- No Private Mortgage Insurance (PMI): Unlike conventional loans, VA home loans do not require PMI, which can save you hundreds of dollars each month.
- Competitive Interest Rates: VA loans often come with lower interest rates compared to conventional loans in Texas, which can result in lower monthly payments and less money spent over the life of the loan.
- No Prepayment Penalties: You can pay off your VA loan early without prepayment penalties.
- Credit Requirements: At Lone Star Financing we can go down to 620 FICO for Texas VA loans. This is a much lower credit qualification than other loans in Texas.
- Assumable Loans: VA loans, much like FHA loans, are assumable, meaning that if you sell your home, the buyer can take over your existing VA loan, which could be a great selling point.
Additionally, VA loans come with flexible credit requirements, making homeownership more accessible, and feature protective measures against foreclosure. These advantages make VA home loans an exceptional choice for veterans, active-duty service members, and their families looking to secure a stable and affordable home.
What is a Texas VA Loan?
A VA home loan is a benefit provided by the U.S. Department of Veterans Affairs (VA) and are backed by the government, which means they come with many advantages for borrowers. Texas VA home loans are a mortgage option specifically designed for eligible veterans, active-duty service members, and their families in the state of Texas. With flexible credit requirements and favorable terms, Texas VA home loans are a valuable tool for those who have served or are currently serving in the military, helping them achieve homeownership with fewer financial hurdles.
- Zero Down Payment: VA home loans typically require no down payment, reducing the initial cost of purchasing a home.
- Competitive Interest Rates: Often lower than conventional loan rates, saving you money over the life of the loan.
- No Private Mortgage Insurance (PMI): VA loans do not require PMI, which can lower your monthly payments.
- Flexible Credit Requirements: Easier credit standards compared to conventional loans, making homeownership more accessible.
- No Prepayment Penalties: You can pay off your loan early without incurring additional fees.
- Assumable Loans: VA loans can be transferred to a new buyer if you sell your home, potentially making your property more attractive to buyers.
- Foreclosure Protection: The VA offers support and resources to help borrowers avoid foreclosure.
- Funding Fee: While VA loans don’t require PMI, a funding fee is often charged, but it can be financed into the loan amount.
Call or Apply Online Today to see why Lone Star Financing is one of the best VA Lenders in Texas.