VA Home Loans

VA Home Loans for Texas Veterans

Are you a veteran, active-duty service member or eligible surviving spouse? You may qualify for a VA home loan, a mortgage option backed by the U.S. Department of Veterans Affairs.

Start my application Call (936) 447-5626

How a VA loan works

VA loans were created to help people who served our country become homeowners. They may make owning a home more accessible than other loan types, and in many cases the benefit can be used more than once.

Backed by the VA
The U.S. Department of Veterans Affairs guarantees part of the loan. A lender like us makes the loan; the VA backing is what makes the program different.
For the home you live in
A VA loan is for a home you will live in as your primary residence, whether you are buying or refinancing.
A VA appraisal
The home gets a VA appraisal, which checks its value and that it meets the VA's minimum property requirements.
A one-time funding fee
Most VA loans carry a VA funding fee. Some borrowers are exempt, including many veterans who receive VA disability compensation.

Who may be eligible

Veterans who meet the VA's service requirements
Active-duty service members
National Guard and Reserve members who meet the service requirements
Some surviving spouses of service members or veterans

The VA sets the exact service rules. Read how to qualify for a VA loan, or call and we will check with you.

The road to closing

Get your Certificate of Eligibility
The COE shows the VA that you qualify for the benefit. Your loan officer can often request it for you.
Get pre-approved
We review your income, credit and the entitlement on your COE so you know what you can borrow before you shop.
Find your home
Shop with a real estate agent who knows how VA offers work.
Appraisal and closing
The VA appraisal is ordered, your file is approved, and you sign at the closing table.

Already have a home?

If you own a home now, a refinance may help you change your rate, your term or the type of loan you have. See our home refinance page, or compare every loan option.