VA Loans in Houston
Zero down payment mortgages for veterans, active duty, and eligible service members.
0% down with no PMI required.
0% Down
100% financing with zero down payment required
No PMI
Save hundreds monthly with no mortgage insurance
Best Rates
Competitive rates reserved for those who served
What is a VA Loan?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs, offering incredible benefits to those who have served our country. With zero down payment, no PMI, and competitive interest rates, VA loans are one of the most powerful homebuying tools available to veterans and active military.
In Houston's competitive market, VA loans give you a significant advantage. You can purchase a home with no money down, save hundreds monthly by avoiding PMI, and often secure better interest rates than conventional loans. Whether you're buying in Katy, Sugar Land, The Woodlands, or anywhere in the Greater Houston area, your VA benefit can make homeownership a reality.
Is a VA Loan Right for You?
You're a Great Fit If...
- You are a veteran, on active duty, or an eligible spouse.
- You want to buy a home with absolutely no down payment.
- You want to avoid paying monthly PMI.
- You want to take advantage of your hard-earned military benefits.
You Might Reconsider If...
- You are not a veteran, service member, or eligible spouse.
- You are purchasing an investment property or vacation home.
- The property does not meet the VA's minimum property requirements.
Houston Success Story
“An active-duty Air Force member PCSing to Ellington Field needed to find a home for his family fast. We helped him use his VA loan benefit to buy a home in Pearland with zero down, closing in just 18 days.”
VA Loan Requirements
Down Payment
0% - Absolutely nothing down required
Credit Score
No minimum set by VA (typically 580-620)
Eligibility
Veterans, active duty, National Guard/Reserves
Mortgage Insurance
No PMI required - major savings!
Funding Fee
2.15% first use (can be financed, waived for disabled)
Property Types
Primary residence only, must be move-in ready
Who Qualifies for VA Loans?
Veterans
90+ days active service during wartime, OR 181+ days during peacetime with honorable discharge
Active Duty Service Members
After 90 continuous days of active service (can buy before discharge)
National Guard & Reserves
6+ years of service in Selected Reserve or National Guard
Surviving Spouses
Of service members who died in service or from service-connected disability
Benefits of VA Loans in Houston
Frequently Asked Questions
Do I really need $0 down for a VA loan?
Yes! VA loans offer 100% financing, meaning you can purchase a home with absolutely zero down payment. This is one of the most powerful benefits of the VA loan program. You'll only need funds for closing costs, which sellers can often cover.
What is the VA funding fee and can I avoid it?
The VA funding fee is a one-time fee (typically 2.15% for first-time use, 3.3% for subsequent use) that helps sustain the VA loan program. Veterans with service-connected disabilities are completely exempt. The fee can be rolled into your loan amount, so you don't pay it upfront.
How do I get my Certificate of Eligibility (COE)?
You can obtain your COE through the VA's eBenefits portal, by mail using Form 26-1880, or we can help you get it quickly through our lender portal. We'll need your DD-214 or Statement of Service. The process typically takes 24-48 hours through our system.
Can I use a VA loan to buy a second home or investment property?
VA loans are for primary residences only. However, you can use your VA loan benefit multiple times throughout your life. Once you sell your home or pay off your VA loan, your entitlement is restored and you can use it again.
Are there VA loan limits in Houston?
As of 2024, most eligible veterans have full entitlement with no loan limit. If you've used your VA benefit before and haven't restored it, there may be limits based on the county conforming loan limit ($766,550 in Harris County). We can review your specific situation.
Ready to Use Your VA Home Loan Benefit?
Our Houston mortgage experts specialize in VA loans and will guide you through every step. Get your Certificate of Eligibility and start today.
Thank You For Your Service: 0% down • No PMI • Competitive rates • Reusable benefit • Fast Houston closings • Expert VA guidance • Licensed in Texas • NMLS #2701989