VA Home Loan for Veterans in Austin, TX
You earned the VA home loan benefit. Let’s make sure you get the most out of it. Call or text (512) 593-1336.
- No down payment with full entitlement
- No monthly mortgage insurance
- One to four units
- Primary residence
No lender fees on agency loans (conventional, FHA, VA). Third-party costs may apply.
The VA Loan Benefit, Explained
A VA loan is a mortgage made by a private lender and partly guaranteed by the Department of Veterans Affairs. That guaranty is what lets lenders offer eligible veterans, service members and certain surviving spouses financing without a down payment and without monthly mortgage insurance.
It’s a benefit you can use more than once. As long as you have entitlement available, you can use it for your first home, your next home and VA refinances along the way.
Where to Go Next
- Not sure if you qualify? Read our VA loan eligibility requirements page.
- Ready to shop for a home? Start with our VA purchase loan guide.
- Self-employed veteran? See how a self-employed mortgage compares.
- Buying a high-value home? VA loans can go above the conforming limit with full entitlement; we’ll compare that with a jumbo home loan.
- Buying near a base? See VA loans near Texas military bases, including VA loans near Fort Hood in Killeen.
What to Have Ready
- Your DD-214 or a statement of service if you’re on active duty.
- Pay stubs, W-2s or LES, plus tax returns if self-employed.
- Two months of bank statements.
- Disability award letter if you receive VA compensation (it may waive the funding fee).
How We Help Veterans
- Eligibility. We request your Certificate of Eligibility, usually online in minutes.
- Pre-approval. We review your credit, income and residual income the way VA requires.
- Shopping. We compare VA lenders and show each rate with its APR.
- Appraisal and close. We help you and your agent handle any VA property items.
VA Home Loan Questions
Can I use my VA loan more than once?
Yes. Your entitlement can be restored after a VA loan is paid off, and you may be able to use remaining entitlement even while you have a VA loan.
Do VA loans have a loan limit?
Borrowers with full entitlement aren’t subject to the VA county loan limit, though lenders still set their own guidelines. Borrowers with partial entitlement may have a limit.
Who is exempt from the funding fee?
Veterans receiving VA compensation for a service-connected disability are exempt, and so are surviving spouses who receive Dependency and Indemnity Compensation (DIC). A few other groups, such as active-duty Purple Heart recipients, are exempt too.
Can sellers pay my closing costs?
Yes, within VA limits on seller concessions, which helps many veterans buy with little cash.
Veterans in Central Texas
With Fort Hood up the road and a large veteran community across Travis, Williamson and Bell counties, VA loans are some of the most common we close. Texas also offers a 100% property tax exemption on a homestead for veterans with a 100% disability rating or individual unemployability, and partial exemptions for lower ratings, so ask your appraisal district about it after closing.
Let’s Put Your VA Benefit to Work
Thank you for your service. We’ll help you check your eligibility, pull your Certificate of Eligibility and compare VA quotes, rate and APR side by side. CapFi Lending is an Austin mortgage broker with more than 50 wholesale lenders, and Dustin Edwards has 22 years of experience helping Texas veterans buy and refinance. Our reviews: 4.9★ on Google (79) · 5.0★ on Zillow (16) · 100% recommend on Facebook (42).
Call or text (512) 593-1336 for a free pre-approval.
Compare sample Austin mortgage rates with APR. Rather talk it over first? Call or text (512) 593-1336, Monday through Saturday from 9 to 7.
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