Houston and Texas VA Loans

No Down Payment – 100% Financing for Veterans in the Houston Area and Throughout Texas

Home Loan Specialists, Inc. is pleased to be able to serve the men and women who served our country by assisting them in purchasing a home with a Texas VA loan.

The United States Department of Veterans Affairs offers some of the most attractive mortgage financing programs in the country. Texas VA loans combine low rates, little to no money down, and flexible qualifying criteria for current and former members of the U.S. Military in the Houston area and throughout Texas.

VA guaranteed loans are made by private mortgage lenders to eligible Texas veterans for the purchase of a home, which must be for their own personal occupancy. The guarantee means the lender is protected against loss if you or a later owner fails to repay the loan. The guarantee replaces the protection the lender normally receives by requiring a down payment, allowing you to obtain favorable financing terms.

VA will guarantee a maximum of 25% of a Texas home loan amount up to $104,250, which limits the maximum loan amount to $417,000, though jumbo loans are available as well. Generally, the reasonable value of the property or the purchase price, whichever is less, plus the funding fee may be borrowed. All veterans must qualify, as they are not automatically eligible for the program. VA loans are among the few mortgage loans that are still assumable, subject to buyer qualification.

Please call any of our Texas VA home loan experts at (832) 286-1600 should you have any questions or need clarification regarding a Texas VA loan or for a free consultation.   Thank you for your service to our country – we are so thankful to all of our active and veteran military personnel.

To receive a rate quote on a Texas VA Loan, please complete the form below: