VA Home Loans in Texas
Eligible Veterans, service members and qualifying surviving spouses may be able to purchase with no down payment when the sales price does not exceed the VA reasonable value and sufficient entitlement is available. No monthly private mortgage insurance is required.
What is a VA home loan?
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, reservists, National Guard members, and some surviving spouses. Eligible Veterans, service members and qualifying surviving spouses may be able to purchase with no down payment when the sales price does not exceed the VA reasonable value and sufficient entitlement is available. No monthly private mortgage insurance is required.* I am Tyler Hardy (NMLS #2770579), and I help veterans in Texas use this benefit.
*Must be Veterans, Active Duty Personnel, Reservist, National Guard and some surviving spouses. A VA funding fee may apply and can vary based on the loan type, down payment and previous use of the VA benefit. Certain eligible borrowers are exempt from the funding fee.
Who is eligible, and what is a Certificate of Eligibility?
Your Certificate of Eligibility (COE) shows the lender that you qualify for the VA benefit. I can help you request it. You can also read the official details at benefits.va.gov. Eligibility and loan approval still depend on your situation.
What VA loans can I use?
VA purchase
Buy a home with the benefit you earned.
Learn more →VA IRRRL
The VA streamline refinance for an existing VA loan.
VA cash-out refinance
Refinance and take cash out of your equity.
VA one-time-close construction
Coordinate eligible land, construction and permanent financing through a one-time-close construction loan.
Learn more →VA on condos
Condo purchases with VA financing.
Learn more →What about the VA funding fee?
A VA funding fee may apply and can vary based on the loan type, down payment and previous use of the VA benefit. Certain eligible borrowers are exempt from the funding fee. I will go through your numbers with you after you apply.
Why work with me on a VA loan?
- I walk you through each step in plain English
- I work with VA borrowers in College Station and across Texas
- I personally reply within one business day
Ready? Call me, request a call back, or start your application.
Frequently asked questions
Do I need a down payment for a VA loan?
Eligible Veterans, service members and qualifying surviving spouses may be able to purchase with no down payment when the sales price does not exceed the VA reasonable value and sufficient entitlement is available. No monthly private mortgage insurance is required. A VA funding fee may apply and can vary based on the loan type, down payment and previous use of the VA benefit. Certain eligible borrowers are exempt from the funding fee.
Who can use a VA loan?
Veterans, active duty personnel, reservists, National Guard members and some surviving spouses.
What is a VA IRRRL?
A VA IRRRL is the VA streamline refinance for borrowers who already have a VA loan.
Can I use a VA loan to build a home?
A one-time-close construction loan can coordinate eligible land, construction and permanent financing through one closing. Construction funds are released through managed draws as work is completed. Available loan types, construction periods and payment structures vary by program.