VA Home Loans in Texas
Zero down payment. No PMI. Veteran-to-veteran service from a 20-year Air Force veteran who knows what a PCS move looks like.
A 20-Year Air Force Veteran Helping Fellow Veterans Achieve Homeownership
TrueVet Mortgage provides VA home loans for veterans, active-duty service members, and military families throughout Texas. Founded by Scott Carlin — a 20-year Air Force veteran and mortgage loan originator (NMLS# 2613509) — TrueVet Mortgage delivers veteran-to-veteran service with zero down payment VA loans, no private mortgage insurance, and closings in as few as 21-30 days. Texas is home to over 1.4 million veterans and some of the largest military installations in the world, making VA loans one of the most valuable homebuying tools in the state. Whether you’re stationed at Fort Cavazos, PCSing to Joint Base San Antonio, or settling in the Dallas–Fort Worth area after service, Scott brings firsthand military experience and deep VA loan knowledge to every transaction. Licensed through Xpert Home Lending, Inc. (NMLS# 2179191).
Scott's two decades of Air Force service give him a firsthand understanding of military life — from PCS moves and deployments to the unique financial challenges service members face. That experience is what sets TrueVet Mortgage apart from large corporate lenders and call centers.
Why Texas Veterans Choose TrueVet Mortgage
Texas has the second-highest veteran population in the country and more major military installations than almost any other state. With affordable housing, no state income tax, and strong veteran support programs, Texas is one of the best states for military families to buy a home.
Veteran-to-Veteran Service — Scott served 20 years in the Air Force. He understands BAH, BAS, VA disability income, and military pay structures for loan qualification. No explaining your LES to a civilian who's never seen one.
Direct Communication — You work with Scott directly from pre-approval to closing. No call centers, no getting transferred between departments, no voicemail loops.
Fast Closings — TrueVet Mortgage closes VA loans in 21-30 days on average. When you're on PCS orders with a report date, every day counts.
Texas VA Loan Expertise — Scott understands Texas-specific regulations, including the 80% loan-to-value cap on cash-out refinances, the Texas Veterans Land Board programs, and the Homes for Texas Heroes down payment assistance program.
VA Loan Benefits for Texas Homebuyers
VA loans give Texas veterans a significant advantage in the housing market. Combined with Texas's affordable cost of living and no state income tax, VA loan benefits stretch even further here:
- Zero down payment — Buy a home with $0 out of pocket. In a state where the median home price varies from $210,000 near Killeen to $400,000+ in Austin, skipping the down payment is a massive advantage.
- No private mortgage insurance (PMI) — Save $100–$300+ per month compared to conventional loans with less than 20% down.
- Competitive interest rates — VA loan rates are typically 0.25%–0.50% lower than conventional rates.
- Flexible credit requirements — Veterans with credit scores as low as 580 may qualify.
- No prepayment penalties — Pay off your loan early or make extra payments without fees.
- VA loans are reusable — Use your VA loan benefit multiple times throughout your life. There is no one-time limit.
- VA jumbo loans available — TrueVet Mortgage offers VA jumbo loans up to $4 million for higher-priced Texas markets.
Serving Veterans Across All of Texas
TrueVet Mortgage serves veterans and military families in every county in Texas. Scott has expertise helping homebuyers near Texas’s major military installations:
Fort Hood (Killeen) — Fort Hood is one of the largest military installations in the world. Home to III Corps and the 1st Cavalry Division. The Killeen–Temple housing market has a median home price around $210,000, making it ideal for VA loan homebuyers. Popular areas include Killeen, Copperas Cove, Harker Heights, Temple, Belton, and Nolanville.
Joint Base San Antonio (JBSA) — Encompasses Fort Sam Houston, Lackland AFB, and Randolph AFB, making it one of the largest joint bases in the Department of Defense. San Antonio median home price around $325,000. Popular areas include San Antonio, Schertz, Cibolo, Universal City, Live Oak, Converse, and New Braunfels.
Fort Bliss (El Paso) — One of the largest Army installations in the U.S. and home to the 1st Armored Division. El Paso offers some of the most affordable housing in Texas. Popular areas include El Paso, Horizon City, Canutillo, Anthony, and Sunland Park.
Dallas–Fort Worth Metroplex — Home to NAS Fort Worth JRB and a large veteran population. Popular areas include Fort Worth, Arlington, Grand Prairie, Mansfield, Burleson, Weatherford, and Denton.
Sheppard AFB (Wichita Falls) — One of the Air Force’s largest training bases. Wichita Falls offers very affordable housing. Popular areas include Wichita Falls, Burkburnett, and Iowa Park.
NAS Corpus Christi — Major Navy pilot training installation on the Texas Gulf Coast. Popular areas include Corpus Christi, Portland, Rockport, and Kingsville.
No matter where you’re stationed or settling in Texas, TrueVet Mortgage can help you use your VA loan benefit.
Texas VA Loan Programs & Benefits
VA Purchase Loan — Buy a home anywhere in Texas with zero down payment. Available for single-family homes, condos, townhomes, and multi-unit properties up to 4 units. No maximum loan amount for veterans with full entitlement.
VA IRRRL Streamline Refinance — Lower your existing VA loan rate with minimal paperwork, no appraisal in most cases, and no out-of-pocket costs. Must comply with Texas state regulations.
VA Cash-Out Refinance — Access your home’s equity through a VA-backed cash-out refinance. Important for Texas homeowners: Texas law limits cash-out refinancing to 80% of your home’s appraised value.
VA Jumbo Loans — TrueVet Mortgage offers VA jumbo loans up to $4 million for properties that exceed conforming loan limits.
Texas Veterans Land Board (VLB) Programs — In addition to federal VA loans, Texas offers state-level benefits: VLB Home Loan Program with fixed-rate loans up to $832,750, VLB Land Loan Program with only 5% down (the only program of its kind in the nation), and Homes for Texas Heroes down payment assistance grants through TSAHC.
Scott can help you understand whether a federal VA loan, a Texas VLB loan, or a combination of programs is the best fit.
Frequently Asked Questions About VA Loans in Texas
What credit score do I need for a VA loan in Texas?
While the VA does not set a minimum credit score, most lenders require at least 580–620. TrueVet Mortgage works with veterans across a range of credit profiles.
Is there a VA loan limit in Texas?
For veterans with full entitlement, there is no loan limit. Veterans with reduced entitlement are subject to county-level limits.
Can I combine a VA loan with Texas VLB benefits?
The VLB loan and VA loan are separate programs. In some situations veterans may benefit from one over the other depending on the purchase price, down payment, and interest rate. Scott can compare both options for you.
Does the Texas 80% cash-out rule apply to VA loans?
Yes. Texas law limits cash-out refinances, including VA cash-out refinances, to 80% of the home’s appraised value. This is a Texas-specific rule that applies regardless of loan type.
Can I use a VA loan to buy a condo in Texas?
Yes, as long as the condo community is on the VA’s approved list. Scott can help you verify whether a specific property qualifies.
How long does it take to close a VA loan in Texas?
TrueVet Mortgage typically closes VA loans in 21-30 days. Timelines can vary depending on appraisal scheduling, title work, and borrower documentation.
Can I use my VA loan benefit more than once?
Yes. VA loan benefits are reusable. You can use your benefit multiple times, and in some cases you can have more than one VA loan active at the same time.
Is there a VA funding fee in Texas?
Yes, unless you are exempt. Veterans with a service-connected disability rating of 10% or more are exempt. First-time users without a disability exemption pay 2.15% of the loan amount, which can be financed into the loan.
Looking for a VA loan near Fort Hood? Visit our Killeen VA Loans page for local information about buying a home near Fort Hood.
Looking for a VA loan near JBSA? Visit our San Antonio VA Loans page for local information about buying a home near Fort Hood.
Looking for a VA loan near Fort Bliss? Visit our El Paso VA Loans page for local information about buying a home in West Texas.
Looking for a VA loan near NAS Corpus Christi? Visit our Corpus Christi VA Loans page for local information about buying a home on the Texas Gulf Coast.
Looking for a VA loan in Houston? Visit our Houston VA Loans page for local information about buying a home in the Greater Houston area.
Looking for a VA loan in the Dallas/Fort Worth metroplex? Visit our DFW VA Loans page for local information about buying a home in North Texas.
Looking for a VA loan in Austin? Visit our Austin VA Loans page for local information about buying a home in Central Texas.
Looking for a VA loan near Dyess Air Force Base? Visit our Abilene VA Loans page for local information about buying a home in West Central Texas.
Looking for a VA loan near Sheppard Air Force Base? Visit our Wichita Falls VA Loans page for local information about buying a home in North Texas.
Visit our VA Loan FAQ for answers to common questions about eligibility, credit scores, and the VA loan process.
Looking for a VA loan near Laughlin Air Force Base? Visit our Del Rio VA Loans page for local information about buying a home in Southwest Texas.
Looking for a VA loan near Goodfellow Air Force Base? Visit our San Angelo VA Loans page for local information about buying a home in West Texas.
Check your 2026 BAH rate for any Texas duty station with our free BAH Calculator.
Ready to Use Your VA Loan Benefit in Texas? Call Scott Carlin at 321-364-4461 or visit our Schedule a Call page to book a free consultation.
See all Texas military bases we serve on our Military Bases page.
