VA Loan Options
Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.
Explore VA programs
VA Home Loan
Zero down for eligible buyers and no monthly mortgage insurance.
VA Loan Eligibility
Service requirements and your Certificate of Eligibility.
VA Purchase Loan
Steps from COE to closing on a VA purchase.
VA Refinance Options
Review IRRRL and other refinance options available to eligible Texas homeowners.
VA IRRRL
The VA streamline refinance.
VA Loans Near Texas Military Bases
Buying near Fort Hood, JBSA, Fort Bliss and other Texas bases.
VA Loans in Killeen Near Fort Hood
Buying in Killeen, Harker Heights and Copperas Cove.
VA loan questions
What does a VA mortgage broker do?
A VA mortgage broker compares VA loan options from several lenders for you, instead of offering just one lender’s program. CapFi Lending is an independent Austin brokerage working with more than 50 wholesale lenders. We arrange VA loans through approved participating lenders and guide you from application to closing.
Why use a mortgage broker for a VA loan instead of going to one lender?
A broker lets you compare more than one lender’s VA terms and requirements in a single application. Lenders can set their own standards on top of VA rules, so options vary. CapFi shops your scenario across approved participating lenders, then helps you choose the fit for your goals.
Does CapFi help with VA loans in Austin?
Yes. CapFi Lending is based in Austin and helps veterans, active-duty service members and eligible surviving spouses with VA loans across Travis, Williamson, Hays and Bexar counties, near Fort Cavazos and other Texas military bases, and throughout Texas. Meetings are by appointment. No lender fees on agency loans (conventional, FHA, VA). Third-party costs may apply.
How do I apply for a VA loan with CapFi?
You can apply online. After you apply, CapFi reviews your income, credit, debts and assets, helps request your Certificate of Eligibility if needed, and compares VA options from approved participating lenders. You’ll get a preapproval letter if you qualify and your scenario fits.
What are the income requirements for a VA loan?
VA does not set a minimum income amount. Instead, lenders look for stable, reliable income and enough residual income, which is the money left each month after your housing payment and major debts. Residual income guidelines vary by family size and region, and individual lenders may add their own standards.
What counts as income for a VA loan?
Most steady, documented income can count, including wages, self-employment income, military pay and allowances, VA disability compensation and retirement income. Lenders generally want to see that the income is likely to continue. CapFi reviews your documents and matches you with participating lenders whose guidelines fit how you earn.