Steps to Getting a Texas Vet Loan or VA Home Loan

Lady talking on phone about Texas Vet loan

Step 1: Find Out How Much You Qualify For

Getting prequalified is very important, if you are seeking to buy a home or refinance an existing mortgage using a Texas Vet Loan or a VA Home Loan. For Veterans seeking to purchase a home with a Texas Vet Loan or VA Home Loan, we will be able to tell you how much you qualify for and issue a VA mortgage approval letter so you can shop for a home with confidence.


Family talking to realtor about VA Home loan

Step 2: Choose Which Home You Want to Buy and Negotiate a Contract

Now that you are prequalified, it is time to find a home. This is normally done with the assistance of a Real Estate Agent. Depending on the area in which you are buying, we may be able to connect you with a realtor we have worked with previously. VA loans and Texas Vet will finance 100% of the purchase price, plus the VA funding fee if applicable. You can negotiate for the seller to pay up to 4% of the sales price in closing costs, which may allow you to buy a home with little or no out-of-pocket expense.


Loan documents needed for a Texas Vet loan or <strong>VA Home loan</strong>

Step 3: Send Us Your Documents

Once you have selected a home, and the seller has accepted your offer, you will need to send us a copy of the executed contract. At that point we will provide you with your initial loan documents based on the contract terms. An appraisal will be ordered through the VA on the property. We will also provide a list of any additional items needed for underwriting and final loan approval.


Man handing keys to lady after closing on Texas Vet loan

Step 4: Close On Your New Home!

When your Texas Vet Loan or VA Home Loan is finalized by the VA underwriter, the final docs for closing will be prepared by us and sent to the title company. You and your spouse (if applicable), will sign all the final documents in person at the title company. When the signing is complete, the final signed and notarized documents are returned to us for funding. This is when you get the keys to your new home!


If you would like to speak with a loan professional about the prequalification process, please call us at 866-704-2826 or click on the button below and complete our quick-and-easy online form and a member of our staff will contact you right away to discuss your options.

We welcome the opportunity to assist you.