Loan Program
VA Loans
For those who earned it, and it should be used properly.
Overview
What this program is for.
VA financing requires no down payment on most purchases and carries no monthly mortgage insurance, which is a structural cost advantage over both conventional and FHA financing.
Entitlement, the certificate of eligibility and how a VA appraisal actually works are the parts borrowers find opaque. That groundwork gets handled with you up front so the file is clean before it reaches underwriting.
Highlights
VA Loans at a glance.
No down payment
Most eligible VA purchases are financed with zero down.
No monthly mortgage insurance
A permanent cost advantage over comparable loans.
Certificate of eligibility
Walked through with you, including a second use of entitlement.
Fixed or adjustable
Structured around your real time horizon in the home.
How It Runs
The same four steps, every file.
01. Pre-Approval
A real pre-approval tells you your range, makes your offer credible to a listing agent, and sets the file up to move fast.
02. Loan Application
A defined document list, given to you once and up front, not drip fed as a series of surprise requests.
03. Underwriting
Your file is reviewed and conditions are cleared as they come in. You are told where it stands rather than left guessing.
04. Closing
Documents are drawn and sent to the title company, and you sign. Closing on time is the commitment.
Also Consider
Related programs.
First-Time Buyers
A real pre-approval, and someone who explains every decision before you have to make it.
Learn more →Conventional Loans
The standard on most Texas purchases, and often the cheapest once you have equity or strong credit.
Learn more →FHA Loans
Lower down payment and more forgiving credit guidelines, backed by the federal government.
Learn more →
