VA LOANS FOR
TEXAS VETERANS.
Zero down. Earned. Use it right.
You earned this benefit. Let's use it right. Zero down, no monthly mortgage insurance, and a path most lenders fumble because they rarely run VA files. I don't fumble it.
THE BEST LOAN in America.
Zero down payment. Within county loan limits, you put nothing down. That's not a typo. No other major program does this.
No monthly mortgage insurance. FHA charges MIP for life. Conventional charges PMI until 78% LTV. VA charges nothing monthly — ever. On a $400K loan that's $200-300/month back in your pocket vs FHA.
Competitive rates. VA rates are typically the lowest in the market for a 30-year fixed. The federal guarantee lets lenders price aggressively.
Reusable. Sell the house, pay off the loan, get your entitlement back. You can use this benefit multiple times in your life.
The catch isn't with the loan — it's with the loan officer. VA appraisals, MPRs, and concession rules trip up bank LOs who close one VA file a year. I run them all the time.
VA, ANSWERED.
Yes — if you meet the service requirements, full entitlement means no down payment required on a primary residence within county loan limits. Above the limit, partial down payment may apply.
No monthly PMI, ever. There's a one-time VA funding fee (rolled into the loan) — exempt for disabled veterans receiving compensation.
The VA itself sets no minimum, but most lenders want 580-620+. With 620+ you'll see standard pricing; 680+ tends to unlock the sharpest rates.
Yes. Entitlement restores after you pay off or sell the previous VA loan. You can also use partial entitlement to hold two VA loans in some cases.
Not directly. VA is for primary residences. But VA-financed 2-4 unit properties let you live in one unit and rent the others — perfect house-hack.
VA files have specific appraisal rules, MPRs (Minimum Property Requirements), and seller-concession structures that LOs who rarely run them get wrong. I close them regularly — no fumble.
Let's talk.
Fifteen minutes.
Bring me your file - even if three other brokers said no. We'll run the numbers, structure it right, and figure out the path. No pressure, no script.
Book a 15-min call
I'll review your situation and tell you straight what's possible. Same-day slots usually open.
Pick a timeApply online
Full secure application in ~12 minutes and document submission, if turned in before 12pm. I'll have a pre-approval letter in your inbox tomorrow morning.
Start applicationJon Taw · Mortgage Broker & Advisor
NMLS #2607503 · Last updated May 2026