All Products/VA Loans
VA Loans · Houston & Greater Texas

You Served.
Now Own Without Compromise.

The VA loan is the most powerful mortgage benefit available to American veterans and active-duty service members. Zero down, no PMI, and flexible qualifying — it exists because you earned it. Tyler will help you use every bit of it.

Apply Now Check Your Eligibility
At a Glance

VA Loan Basics

$0
Down Payment Required (eligible veterans)
No PMI
Ever — at any loan-to-value ratio
620
CMG Credit Score Minimum (guideline)
No Limit
On Loan Amount (for eligible entitlement)
Benefits

Why VA Is the Best Loan in Mortgage

🏠

Zero Down Payment

100% financing with no down payment required for eligible veterans with full entitlement. Buy a $450K home in Katy without $90K sitting in a savings account.

🚫

No Private Mortgage Insurance

VA loans never require PMI — at any LTV, ever. That saves most buyers $100–$300 per month compared to conventional with less than 20% down.

💰

Competitive Rates

VA loans consistently price well because of the government guarantee. The combination of no-down and favorable terms is unmatched in the mortgage market.

🔄

Assumable Loan

VA loans are assumable by qualified buyers — a huge advantage if you ever sell when rates are higher than your locked rate. Your buyer can take over your payment.

🛡️

Foreclosure Protection

The VA provides loan servicers assistance to help veterans avoid foreclosure if they hit financial hardship. Extra protection other loan types don't carry.

♾️

Reusable Benefit

Your VA entitlement can be used again and again — once your previous VA loan is paid off or sold. It's not a one-time benefit.

Eligibility

Who Qualifies for a VA Loan?

VA loan eligibility is based on military service. You'll need a Certificate of Eligibility (COE) — Tyler can help you obtain it directly through the VA system during the loan process.

Active Duty Service Members

  • 90 consecutive days of active service during wartime
  • 181 days of continuous active duty during peacetime
  • Currently serving may also be eligible with sufficient service time

Veterans

  • Honorable, general, or other-than-dishonorable discharge
  • Service requirements vary by era — Tyler can check your specific dates
  • Certain reserves and National Guard members qualify

National Guard & Reserves

  • 6 years of service in Selected Reserve or National Guard
  • OR discharged due to service-connected disability
  • OR called to federal active duty — 90 consecutive days for wartime

Surviving Spouses

  • Unremarried surviving spouse of a veteran who died in service
  • Or died from a service-connected disability
  • Spouses of POW/MIA veterans may also qualify
Common Questions

VA Loan FAQs

The VA funding fee is a one-time fee paid to the Department of Veterans Affairs to help fund the loan guarantee program. The amount varies by down payment, loan type, and whether it's your first or subsequent use of the VA benefit. The fee can be financed into the loan so no out-of-pocket payment is required. Some veterans are exempt from the funding fee entirely — including those receiving VA disability compensation and surviving spouses of veterans who died in service or from a service-connected disability.
Yes, VA loans can be used to purchase new construction homes — and Houston's master-planned communities are full of VA-eligible properties. The home must meet VA's Minimum Property Requirements (MPRs), which most new construction homes satisfy easily. If the home isn't complete yet, a VA construction-to-permanent loan may be an option — Tyler can walk through both paths with you.
Yes — in some cases, you can have two VA loans simultaneously. This typically applies to veterans who have remaining (bonus) entitlement from their previous VA loan, or when a prior VA loan has been paid off and the entitlement has been restored. The specifics depend on your entitlement amount and the county loan limits. Tyler will pull your COE and explain exactly how much entitlement you have available.
Yes — VA loans work for homes within Municipal Utility Districts (MUDs), which are extremely common in Katy, Cypress, and the Houston suburbs. The MUD tax is factored into your PITI payment and affects your residual income calculation (VA uses residual income rather than strict DTI). Tyler will account for the exact MUD tax rate for any property you're considering.

You Earned This Benefit. Let's Use It.

Tyler will verify your eligibility, pull your Certificate of Eligibility, and walk you through exactly what you can buy — with zero down — in the Houston area.

Apply Now Check Your Eligibility