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Houston, Texas VA Loans

  • Buy a Home with 0% Down
  • Refinance to Lower Monthly Payments
  • Lower your monthly payment
  • Easy to Qualify
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Secure a VA Mortgage in Houston

If you’re a veteran of a branch of the US Armed Services and you live in Houston, consider a Houston VA loan to finance your home purchase or refinance.  A VA loan is a specialized type of loan available only to veterans and backed by the Department of Veteran Affairs (VA).

Jump to: Eligibility | Regional VA Loan Center

What is the VA Loan?

As mentioned above, VA loans are available only to veterans.  This makes them highly exclusive and highly beneficial for those who qualify.  Men and women who have spent years of their lives serving this nation deserve to be treated as heroes, and this is what the VA loan program does for veterans who qualify.  It allows veterans a fast and simple track into homeownership, which has been proven to create family stability and wealth building opportunities.

The lenders who fund VA loans are the same lenders who fund all other types of loans.  Though VA loans are specialized, the lenders who service them are no different than other lenders.  The difference is that the backing provided by the VA department allows these lenders to offer better terms and lower rates to the veterans they work with.  This makes VA loans highly advantageous for those who qualify.

VA Loan Benefits in Houston

Among the many benefits that come attached to VA loans, some of the most common and valuable are listed here.

  • No down payment necessary.
  • No mortgage insurance requirement.
  • Minimal credit and income standards.
  • No high cash reserve expectations.
  • Reduced closing costs in some cases.
  • Multiple loan term lengths available.
  • No early repayment fees or penalties.

Do these advantages sound beneficial to you?  VA loans are regarded as some of the most favorable and financially helpful loans provided in the mortgage marketplace today.  Fill out the form above to contact a local lender in your area and get started.

VA Loan Requirements and Eligibility

Not everyone qualifies for a VA loan.  This is the nature of the program.  VA loans are provided only to veterans who have served this nation well.  You’ll have to meet the following basic crieteria in order to qualify for a VA loan.

  • You must have served in the military, and you must be an American citizen.
  • Your length of service in the military must have included at least 90 days of active service.
  • You must not have been dishonorably discharged at any time.
  • You should have a credit score of at least 620. 

If you meet these minimum qualifications, you’re ready to continue to the next step.  Prepare to obtain a certificate of eligibility from the VA office, and contact a VA loan specialist to find out what additional requirements you’ll need to meet in order to qualify for your loan.

VA Refinance

You can refinance your current home mortgage with a VA loan as well.  The best way to do this is through a Houston VA Streamline refinance.  The Streamline program allows you to switch to a new loan at a lower interest rate without some of the additional fees or paperwork typically required by a refinance.

You can also use a refinance to access home equity in the form of cash with the VA Cash-Out refinance. This money can then be used to make improvements on your home or to pay for medical bills, college tuition, or other expenses. The Cash-Out option is especially useful for veterans to refinance into a VA loan from another mortgage type. 

Houston Regional VA Loan Center

The Houston Regional Loan Center is one of eight VA regional loan centers that administer the VA’s Home Loan Guaranty Program.  The VA Home Loan Guaranty Program helps Veterans obtain home loans from private lenders by making sure a portion of the loan is guaranteed against loss.  The eight regional loan centers are the direct resources and contacts for VA mortgage assistance programs and help with appraising, lending, and purchasing a VA home.  The eight regional loan centers also reach out to the Veteran communities and private-sector stakeholders to avoid foreclosure and assist those who are disabled as a result of service

user suit Lenders in: Houston, Texas.

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