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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 Texas

If you’re a veteran of a branch of the US Armed Services and you live in Texas, consider a Texas 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 | Loan Limits

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 Texas

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 Texas 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. 

Texas VA Mortgage Rates

Mortgage rates change on an average of two to three times a day.  Knowing this, you can never stop checking to find the best mortgage rates available to you.  Getting a low rate, the lowest rate you can, is highly important.  This is arguably the most important aspect of your loan.  Constant research and updates are essential.  The best way to keep tabs on rates is to connect with several local lenders in your area and ask them to keep you posted.

VA Lenders in Texas

Fill out the form above to get in touch with up to four lenders in your areas.  These mortgage professionals can inform you of the best interest rates available for your VA loan and help you close the financing you need.  Find out the local VA loan limits that apply.  If you need more information, contact the Department of Veteran Affairs.

Texas Military Information

Texas is well known for its strong and proud military presence.  The state is home to more than 12 military installations, including Dyess Air Force Base, Goodfellow Air Force Base, Lackland Air Force Base, Randolph Air Force Base, Sheppard Air Force Base, Fort Bliss, Fort Hood, Fort Sam Houston, Red River Army Depot, and Corpus Christi Naval Air Station.  Many veterans emerge from these bases every year, ready to purchase homes.  If you’re one of them, consider a VA loan to finance your purchase.

VA Loan Lending Limits in Texas

Below is the list of the maximum VA loan limits for counties in Texas:

County Loan Limit
ANDERSON $417,000
ANDREWS $417,000
ANGELINA $417,000
ARANSAS $417,000
ARCHER $417,000
ARMSTRONG $417,000
ATASCOSA $417,000
AUSTIN $417,000
BAILEY $417,000
BANDERA $417,000
BASTROP $417,000
BAYLOR $417,000
BEE $417,000
BELL $417,000
BEXAR $417,000
BLANCO $417,000
BORDEN $417,000
BOSQUE $417,000
BOWIE $417,000
BRAZORIA $417,000
BRAZOS $417,000
BREWSTER $417,000
BRISCOE $417,000
BROOKS $417,000
BROWN $417,000
BURLESON $417,000
BURNET $417,000
CALDWELL $417,000
CALHOUN $417,000
CALLAHAN $417,000
CAMERON $417,000
CAMP $417,000
CARSON $417,000
CASS $417,000
CASTRO $417,000
CHAMBERS $417,000
CHEROKEE $417,000
CHILDRESS $417,000
CLAY $417,000
COCHRAN $417,000
COKE $417,000
COLEMAN $417,000
COLLIN $417,000
COLORADO $417,000
COMAL $417,000
COMANCHE $417,000
CONCHO $417,000
COOKE $417,000
CORYELL $417,000
COTTLE $417,000
CRANE $417,000
CROCKETT $417,000
CROSBY $417,000
CULBERSON $417,000
DALLAM $417,000
DALLAS $417,000
DAWSON $417,000
DEAF SMITH $417,000
DELTA $417,000
DENTON $417,000
DEWITT $417,000
DICKENS $417,000
DIMMIT $417,000
DONLEY $417,000
DUVAL $417,000
EASTLAND $417,000
ECTOR $417,000
EDWARDS $417,000
ELLIS $417,000
EL PASO $417,000
ERATH $417,000
FALLS $417,000
FANNIN $417,000
FAYETTE $417,000
FISHER $417,000
FLOYD $417,000
FOARD $417,000
FORT BEND $417,000
FRANKLIN $417,000
FREESTONE $417,000
FRIO $417,000
GAINES $417,000
GALVESTON $417,000
GARZA $417,000
GILLESPIE $417,000
GLASSCOCK $417,000
GOLIAD $417,000
GONZALES $417,000
GRAY $417,000
GRAYSON $417,000
GREGG $417,000
GRIMES $417,000
GUADALUPE $417,000
HALE $417,000
HALL $417,000
HAMILTON $417,000
HANSFORD $417,000
HARDEMAN $417,000
HARDIN $417,000
HARRIS $417,000
HARRISON $417,000
HARTLEY $417,000
HASKELL $417,000
HAYS $417,000
HEMPHILL $417,000
HENDERSON $417,000
HIDALGO $417,000
HILL $417,000
HOCKLEY $417,000
HOOD $417,000
HOPKINS $417,000
HOUSTON $417,000
HOWARD $417,000
HUDSPETH $417,000
HUNT $417,000
IRION $417,000
JACK $417,000
JACKSON $417,000
JASPER $417,000
JEFF DAVIS $417,000
JEFFERSON $417,000
JIM HOGG $417,000
JIM WELLS $417,000
JOHNSON $417,000
JONES $417,000
KARNES $417,000
KAUFMAN $417,000
KENDALL $417,000
KENEDY $417,000
KENT $417,000
KERR $417,000
KIMBLE $417,000
KING $417,000
KINNEY $417,000
KLEBERG $417,000
KNOX $417,000
LAMAR $417,000
LAMB $417,000
LAMPASAS $417,000
LA SALLE $417,000
LAVACA $417,000
LEE $417,000
LEON $417,000
LIBERTY $417,000
LIMESTONE $417,000
LIPSCOMB $417,000
LIVE OAK $417,000
LLANO $417,000
LOVING $417,000
LUBBOCK $417,000
LYNN $417,000
MCCULLOCH $417,000
MCLENNAN $417,000
MCMULLEN $417,000
MADISON $417,000
MARION $417,000
MARTIN $417,000
MASON $417,000
MATAGORDA $417,000
MAVERICK $417,000
MEDINA $417,000
MENARD $417,000
MIDLAND $417,000
MILAM $417,000
MILLS $417,000
MITCHELL $417,000
MONTAGUE $417,000
MOORE $417,000
MORRIS $417,000
MOTLEY $417,000
NAVARRO $417,000
NEWTON $417,000
NOLAN $417,000
NUECES $417,000
OCHILTREE $417,000
OLDHAM $417,000
ORANGE $417,000
PALO PINTO $417,000
PANOLA $417,000
PARKER $417,000
PARMER $417,000
PECOS $417,000
POLK $417,000
POTTER $417,000
PRESIDIO $417,000
RAINS $417,000
RANDALL $417,000
REAGAN $417,000
REAL $417,000
RED RIVER $417,000
REEVES $417,000
REFUGIO $417,000
ROBERTS $417,000
ROBERTSON $417,000
ROCKWALL $417,000
RUNNELS $417,000
RUSK $417,000
SABINE $417,000
SAN JACINTO $417,000
SAN SABA $417,000
SCURRY $417,000
SHELBY $417,000
SHERMAN $417,000
SMITH $417,000
SOMERVELL $417,000
STARR $417,000
STEPHENS $417,000
STERLING $417,000
STONEWALL $417,000
SUTTON $417,000
SWISHER $417,000
TARRANT $417,000
TAYLOR $417,000
TERRELL $417,000
TERRY $417,000
TITUS $417,000
TOM GREEN $417,000
TRAVIS $417,000
TRINITY $417,000
TYLER $417,000
UPSHUR $417,000
UPTON $417,000
UVALDE $417,000
VAL VERDE $417,000
VAN ZANDT $417,000
VICTORIA $417,000
WALKER $417,000
WALLER $417,000
WARD $417,000
WEBB $417,000
WHARTON $417,000
WHEELER $417,000
WICHITA $417,000
WILBARGER $417,000
WILLACY $417,000
WILSON $417,000
WINKLER $417,000
WISE $417,000
WOOD $417,000
YOAKUM $417,000
YOUNG $417,000
ZAPATA $417,000
ZAVALA $417,000

Local Cities

user suit Lenders in: Texas.

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