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Proudly Helping Veterans In The Greater Houston Area Achieve Their Home Ownership Goals

Are you a military service member or veteran looking to buy a home with your VA Loan Benefits?

VA Home Loan

As a benefit of your service, the Department of Veterans Affairs offers unique resources to help those with military experience purchase a home with a low or zero down payment. VA Loans offer flexible options as either Fixed Rate or Adjustable Rate mortgages. View today’s VA Loan Rates.

A VA loan is available and provides the buyer the chance to finance 100% of the purchase price of the home. This means no down payment is required. It is important to note that buyers will still need to qualify for the loan. This means that lenders will look at their credit and ability to pay the mortgage. If you are in a troubling financial position, a lender may want to see you pay down debt or save up money before they are willing to give you the loan.

You may also be responsible for closing costs, such as recording the title or paying lawyers to draw up all paperwork. This is negotiable with the seller and something to discuss with your realtor before making an offer on a home.

The VA Loan process

A VA loan works the same as most other home purchases, with a buyer making a written offer to purchase a home under specific conditions (price, closing cost assistance, other contingencies), and then going through an approval process with a lender. The key difference with a VA loan is that the Department of Veterans Affairs requires that all homes purchased through this program meet certain habitability requirements. They will send out a home inspector and appraiser to make sure that the home is in good working order and is worth what you are paying.

How VA Loans Work

  • Purchase your home with as little as 0% down payment.
  • 30-, 25-, 20- and 15-year terms are all available with fixed rates.
  • 5-year adjustable rate mortgage available.
  • Jumbo VA loans available.
  • VA Streamline Refinance with a reduced funding fee and flexible documentation requirements – available for veterans currently in VA loans.
  • No monthly PMI (Private Mortgage Insurance).
  • VA loans are governed by the U.S. Department of Veterans Affairs.
  • Pay your mortgage off at any time without pre-payment penalties.

VA Loan Products

VA Loans

Serve those who have bravely served in the Armed Forces.

  • Loans up to $2M
  • 620+ FICO Up to 100% LTV
  • Fixed term only
  • Single family primary residence
  • Purchase & VA IRRL refinance
  • Escrow waivers up to 100% LTV

VA Elite

For VA borrowers with higher FICO scores, offer industry-leading government rates and pricing.

  • Loan amounts from $125,000 up to county loan limits
  • Jumbo loan option starting from $1 over the county loan limit up to $2M
  • 620+ FICO Up to 100% LTV
  • Fixed term only
  • Single family primary residence
  • Purchase & VA IRRL refinance
  • Escrow waivers up to 100% LTV


Allow your VA borrowers to take advantage of their VA benefits by streamlining their current VA loan into a lower interest rate.

  • Unlimited LTV
  • Loans up to $2M
  • No appraisal required
  • Fast closings, often less than 18 days
  • Available on single- and multi-wide, condos and PUDs
  • Primary, second and investment properties eligible

Get started today!

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

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