Texas VA Home Loans

Zero down, no PMI & Texas VLB options for Houston-area veterans

VA Home Loans for Houston & Deer Park Veterans

Thank you for your service. If you served in the military, you have earned one of the best home loan benefits in the country, and Texas veterans get even more on top of it. I am Clifton Saunders, The Mortgage Mentor, and helping veterans and military families in Deer Park, Pasadena, La Porte, Baytown, League City and all of Greater Houston use every benefit they earned is one of my favorite parts of this job. Several members of my own family have served, so this one is personal.

Why a VA Home Loan Is So Powerful

No down payment for eligible veterans with full entitlement
No monthly mortgage insurance (PMI), which can save you hundreds every month
Competitive interest rates that are often lower than conventional loans
Funding fee waived for veterans who receive VA disability compensation
Seller concessions allowed, so the seller can help pay your closing costs
Flexible credit guidelines compared with many other loan types
Reusable benefit: you can use your VA eligibility again on your next home

Texas Veterans: Stack Your Benefits

Living in Texas gives veterans extra ways to save. Most buyers never hear about them, so I build them into every VA plan I run:

Texas Veterans Land Board (VLB) home loans can offer below-market interest rates for Texas veterans, with additional rate discounts for veterans with a service-connected disability. I close VLB loans all the time.
Disabled veteran property tax exemptions: Texas veterans with a 100% disability rating (or individual unemployability) may owe no property taxes on their homestead, and veterans with lower ratings may qualify for a partial exemption. That can cut your monthly payment dramatically.
Homestead exemption: in Texas you can file your homestead exemption right after closing.
Down payment assistance such as the TSAHC Homes for Texas Heroes program can help veterans with closing costs. See my Houston down payment assistance guide.

Get Started on Your VA Pre-Approval

To get started, we will pull your Certificate of Eligibility (COE) for you, review your credit and income, and give you a clear pre-approval so you can shop with confidence. Spouses of service members who died in the line of duty or from a service-connected disability may also be eligible.

VA Refinance Options

VA IRRRL (Streamline): lower your rate on an existing VA loan with less paperwork
VA Cash-Out Refinance: tap your equity or refinance out of an FHA or conventional loan into VA

Who I Help

Active duty service members, veterans, National Guard and Reserve members, and surviving spouses all over Harris, Galveston, Brazoria and Chambers counties. Whether you are PCSing to the Houston area, buying your first home, or upgrading for a growing family, my team will walk you through every step.

Learn more: VA loan basics | Down payment assistance | For Realtors | VA.gov home loans | Texas Veterans Land Board

Frequently Asked Questions

Do I need a down payment for a VA loan?

Eligible veterans with full VA entitlement can buy with no down payment. If your entitlement is partially used, a small down payment may be needed on higher-priced homes.

Can I combine a VA loan with the Texas Veterans Land Board?

Yes. Texas veterans can often pair a VA loan with a Texas VLB home loan to get a lower interest rate. I will run both options side by side so you can see the difference.

Do disabled veterans pay the VA funding fee?

Veterans who receive VA disability compensation are exempt from the VA funding fee, which can save thousands of dollars at closing.

Do disabled veterans in Texas pay property taxes?

Texas veterans with a 100% disability rating or individual unemployability may qualify for a total homestead property tax exemption, and lower ratings may qualify for a partial exemption. Check with your county appraisal district.

How fast can I get pre-approved?

Most veterans can get a pre-approval within a day once we have your documents. Call or text 281-978-2106 to get started today.

Clifton Saunders, NMLS #230688 | New American Funding, NMLS #6606 | Equal Housing Opportunity. Subject to credit approval; not all applicants will qualify. Loan programs, grant funds, income limits and guidelines can change at any time and vary by county. This is not a commitment to lend. Call or text 281-978-2106 to confirm current details.