Up to 100% Financing

Texas VA Home Loans

Texas VA up to 100% financing with no loan limits provided the veteran applying has full entitlements. 2024 loan limits $766,550, over this value with down payment.  Here are a few highlights of our Texas VA Loans: 

* True 0 Down Loan Option
* No monthly mortgage insurance
* Simple Qualifying 
* Seller Paid Closing Costs up to 4%
* Flexible Underwriting
* Higher Debt-to-Income Ratios
* Lower Credit Scores OK 

What is a VA Loan?  The VA loan was created in 1944 by the United States government to help returning service members purchase homes without needing a down payment (or great credit). This program has guaranteed more than 25 million VA loans, helping US Vets, active duty military members and their families purchase or refinance a home.

VA Loan Types:

  • (NADL) Native American Direct Loan  
  • VA-Backed Purchase
  • Cash-Out Refinance 
  • (IRRRL) Interest Rate Reduction Refinance 

Texas VA loans are a specialized loan product, and the loan of choice for all US Vets. To learn more about VA loans, please visit VA.gov that will provide you with more details on how to maximize your hard earned benefits. 

VA Loans

Do You Qualify for a Texas VA Loan?

VA loans are beneficial because they don’t require a down payment. They also have lower interest rates and  lower credit scores.  They don’t have monthly mortgage insurance and VA loans have more lenient credit requirements than many other mortgage programs.

 Updated 2023 – You must meet at least one of the following criteria to qualify:

  • Served 181 days of active service during peacetime.
  • Served 90 consecutive days wartime active service.
  • Served more than 6 years of service (Reserves & National Guard) 

VA Spouse
: if you’re the spouse of a service member who lost their life in the line of duty or as the result of a service-connected disability. You generally cannot have remarried  (but there are exceptions), as well as other requirements for spouses getting Texas VA home loans

VA Rates
Texas VA Mortgage Lender

getting rates...

30 Year VA

100% loans to Conforming Jumbo Options available

Minimum FICO Credit Score


Minimum Down Payment


Maximum Loan To Value


Maximum Debt To Income


Except Onse To 50%

Mortgage Insurance


Years Since Bankcruptcy


Years Since Foreclosure


Years Since Short Sale


Special Qualification Requirements

Must be U.S.

Texas VA Mortgages

Before you apply for an VA loan, there are a few things you need to know about Texas VA eligibility and required documents.

What is a Certificate of Eligibility (COE)?

You will need to provide your COE during your loan application.  This government document will confirm your military eligibility for your VA loan. To get a COE, you need to demonstrate proof of service and this proof varies based on whether you’re an active-duty military, a veteran,  national guard, or veteran surviving spouse, etc.  Learn more about how to request your COE

Requesting your COE is only one step of the loan process. Next your loan officer will request a VA appraisal (assessment) of the house. An appraisal estimates the current market value of the property at the time of inspection.  

VA Loan Documents You'll Need

Veterans will also need to submit DD Form 214. Your DD Form 214 is a certificate that verifies your honorable military discharge. You can request your DD Form 214 online. Your VA loan specialist can help with any questions. 

Active-Duty Service Members

You will also need a statement of service and loan application signed by your personnel officer (or an adjunct/unit commander). The statement of service must include your full legal name, social security and date of birth.

Texas VA Home Loans
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