VA Home Loans for Military & Veterans
You've served our country. Now let us serve you with specialized home loan options, personalized guidance, and exclusive benefits for active military, veterans, and their families.
Exclusive VA Loan Benefits
Our specialized VA loans offer unique advantages designed for those who serve.
Zero Down Payment
Purchase a home with no down payment required, allowing you to preserve your savings for other needs.
Lower Interest Rates
Enjoy competitive interest rates, often lower than conventional loans, helping you save money over the life of your loan.
No Private Mortgage Insurance
Unlike most other loans with less than 20% down, VA loans don't require private mortgage insurance, reducing your monthly payment.
Flexible Credit Requirements
VA loans typically have more flexible credit requirements, making homeownership accessible even if your credit isn't perfect.
No Prepayment Penalty
Pay off your loan early without any penalties, giving you more flexibility in managing your finances.
Closing Cost Limitations
VA regulations limit what closing costs can be charged to veterans, potentially saving you thousands at closing.
Proudly Serving Military Bases in Central Texas
Our loan specialists have deep experience with the housing markets surrounding all Central Texas military installations.
Fort Sam Houston
Serving the Army Medical Department Center and School, Brooke Army Medical Center, and other Fort Sam Houston personnel.
Lackland Air Force Base
Specialized loan services for Air Force personnel stationed at the Gateway to the Air Force and the home of Basic Military Training.
Randolph Air Force Base
Supporting Air Force personnel at the "Showplace of the Air Force" with specialized mortgage solutions.
Also serving: Camp Bullis, Camp Stanley, and other military installations in the Central Texas area.
VA Loan Eligibility
You may be eligible for a VA home loan if you meet one or more of the following criteria:
You've served 90 consecutive days of active service during wartime
You've served 181 days of active service during peacetime
You've served 6 years in the National Guard or Reserves
You are the spouse of a service member who died in the line of duty or from a service-related disability
Ready to get your Certificate of Eligibility?
Our VA loan specialists can help you obtain your Certificate of Eligibility (COE) and guide you through the entire loan process.
What you'll need:
- For veterans: DD Form 214, showing character of service
- For active duty: Statement of Service from your commanding officer
- For Reserve/National Guard members: Evidence of your service
- For surviving spouses: Marriage license and service member's death certificate
Ready to start your VA loan journey?Our military specialists are here to help.
Frequently Asked Questions
Get answers to common questions about VA loans and the home buying process.
How does a VA loan differ from a conventional loan?
VA loans are backed by the Department of Veterans Affairs and offer significant benefits like no down payment requirement, no private mortgage insurance, competitive interest rates, and more flexible credit requirements compared to conventional loans.
Can I use my VA loan benefit more than once?
Yes, VA loan benefits can be used multiple times, as long as you've paid off any previous VA loans and sold the property, or in some cases, even if you still have an existing VA loan.
Do VA loans have income or credit score requirements?
While the VA doesn't set specific income or credit score minimums, lenders typically look for a credit score of at least 620. You'll need to demonstrate sufficient income to cover your mortgage payments along with your other financial obligations.
What properties can I purchase with a VA loan?
VA loans can be used to purchase single-family homes, condos in VA-approved developments, multi-unit properties (up to four units if you live in one), and new construction homes. The property must be your primary residence.