🏠 This residential loan program is exclusively available for Texas borrowers.

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VA Loans

Zero down payment home loans for veterans, active duty, and surviving spouses.

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Overview

VA loans are one of the most powerful mortgage benefits available — no down payment, no private mortgage insurance, and competitive rates. Available to eligible veterans, active duty service members, National Guard members, reservists, and surviving spouses through lenders we work with.

  • $0 down payment for eligible borrowers
  • No private mortgage insurance (PMI) ever
  • Competitive rates often below conventional loans

Loan Specifications

Min Amount

$100,000

Max Amount

No limit (conforming guarantee up to $766,550)

Loan Term

15 or 30 years

Max LTV

Up to 100%

Amortization

15 or 30 years

Rate Type

Fixed or ARM

Eligibility Criteria

  • Active duty service members (90 continuous days)
  • Veterans with honorable discharge
  • National Guard / Reservists (6 years)
  • Surviving spouses of service members who died in service
  • Certificate of Eligibility (COE) required

Required Documents

Documents are uploaded through our encrypted secure portal, stored on Cloudflare R2 enterprise storage, and only accessible to your assigned broker via a private link. Never shared with third parties.

  • Certificate of Eligibility (COE) or DD-214
  • 2 years W-2s and tax returns
  • Last 30 days pay stubs
  • 2 months bank statements
  • VA appraisal required

Frequently Asked Questions