TEXAS MORTGAGE BROKER · SINCE 2012

VA Loans in Texas

Texas is home to more than 1.7 million veterans and one of the largest military presences in the country. If you have served, I will make sure you get every benefit you have earned.

Who Qualifies for a VA Loan?

VA loans are available to eligible veterans, active duty service members, National Guard and Reserve members, and surviving spouses. Texas has a massive military footprint, from Fort Cavazos (formerly Fort Hood) in Killeen to Joint Base San Antonio and NAS Fort Worth.

Key facts:

  • Down payment: $0 for qualified borrowers
  • No monthly private mortgage insurance (PMI)
  • Minimum service: typically 90 days wartime or 181 days peacetime
  • The VA sets no official minimum credit score, though lender overlays may apply
  • Borrowers with full entitlement face no VA loan limit; the 2026 conforming loan limit of $806,500 (FHFA) only caps borrowers with reduced entitlement

As a Texas mortgage broker, I work with service members across the entire state. Whether you are stationed at Fort Cavazos, transitioning out of the military in San Antonio, or settling your family in Dallas or Houston, I can help you take full advantage of your VA benefits.

I can walk you through your VA loan benefits, show you how VA pricing compares with current Texas mortgage rates, and help you get the most out of the program.

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Zero Down Payment

VA loans allow qualified borrowers to purchase a home with no money down. That is one of the most powerful benefits available to those who have served.

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No Monthly PMI

Unlike conventional and FHA loans, VA loans do not require private mortgage insurance, which saves you hundreds of dollars every month.

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Flexible Guidelines

VA loans offer more lenient credit and DTI requirements compared to conventional loans. Your service has earned you access to favorable terms.

What Are the VA Loan Requirements in Texas?

To use a VA loan in Texas, you need a Certificate of Eligibility from the VA, which generally requires 90 days of wartime or 181 days of peacetime service, and the home must be your primary residence. The VA sets no official minimum credit score, and a funding fee applies unless you are exempt for a service-connected disability.

✓ Certificate of Eligibility (COE) from the VA

✓ Minimum service requirements (typically 90 days wartime or 181 days peacetime)

✓ Property must be a primary residence in Texas

✓ VA funding fee applies (may be waived for service-connected disabilities)

✓ No official minimum credit score from the VA, though lender overlays may apply

Ready to Use Your VA Benefits?

I have helped veterans across Texas navigate the VA loan process. Let me help you take the next step.

Schedule Your Discovery Call →

Anthony Ferrando | Ferrando Financial LLC | NMLS# 2403080