VA loans for those who served.
VA loans are guaranteed by the U.S. Department of Veterans Affairs and are one of the strongest benefits available to eligible veterans, active duty service members and some surviving spouses. As a proud Homes for Heroes member, serving military families is personal to me.
Who it's for
- Veterans who meet service requirements
- Active duty service members and eligible National Guard and Reserve members
- Eligible surviving spouses
How it works with me
- We start by requesting your Certificate of Eligibility, which I can help you obtain.
- VA loans do not carry monthly mortgage insurance, which can make a meaningful difference in your budget.
- VA has its own appraisal and property standards, and a one time funding fee applies unless you are exempt, such as many veterans receiving VA disability compensation.
What you'll need
- Your DD214 or statement of service
- Income documents such as pay stubs, W2s or LES
- A photo ID and permission to review your credit
Every situation is different. Send me your scenario and I will tell you honestly which programs fit, and compare them side by side in writing.
Programs, terms and eligibility vary and are subject to credit approval, underwriting guidelines and program availability. Not all applicants will qualify. This is not a commitment to lend. Laila Smith, NMLS #844202, HomeTown Lending, NMLS #2712965. Equal Housing Opportunity.
Questions buyers ask me
Can I use my VA benefit more than once?
Yes. VA entitlement can often be restored or used again, and some buyers can even have more than one VA loan. I will review your entitlement with you.
Does VA require mortgage insurance?
No. VA loans do not have monthly mortgage insurance. There is a funding fee for many borrowers, and some veterans are exempt.
Can I buy a home in any part of Texas with a VA loan?
Yes. I can help you finance a primary home anywhere in Texas, from Frisco to San Antonio.