VA Home Loans in Abilene, Texas
Serving Dyess Air Force Base, the 7th Bomb Wing, and Abilene military families. Scott Carlin, 20-year Air Force veteran and VA loan specialist (NMLS# 2613509). Call 321-364-4461.
VA Loans for Veterans and Military Families in Abilene
Abilene is home to Dyess Air Force Base, the only B-1B Lancer bomber wing in the United States Air Force. Dyess is home to the 7th Bomb Wing and the 317th Airlift Wing, which operates C-130J Super Hercules aircraft. The base brings thousands of active-duty airmen, support personnel, and their families to the Abilene community and is the largest single employer in the region.
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, National Guard and Reserve members, and surviving spouses. VA loans offer zero down payment, no monthly mortgage insurance, competitive interest rates, and flexible credit requirements — benefits designed specifically to help those who have served.
Scott Carlin is a 20-year Air Force veteran, mortgage loan originator (NMLS# 2613509), and founder of TrueVet Mortgage. As a fellow airman, Scott has a personal connection to the Dyess AFB community and helps military families throughout the Abilene area navigate the VA loan process from pre-approval to closing — typically in 21 to 30 days.
Why Veterans Choose Abilene
Abilene offers military families one of the most affordable housing markets near any active Air Force base in the country. Home prices in Abilene are well below the national average, and many Dyess families find that their BAH covers their entire mortgage payment with room to spare.
Popular neighborhoods and communities for military families include Southwest Abilene (closest to Dyess AFB), Wylie, Clyde, Tuscola, Buffalo Gap, and Tye. Southwest Abilene is the most popular area for Dyess families, with newer subdivisions, short commute times, and proximity to shopping and restaurants along Southwest Drive. Wylie is the fastest-growing area of the city with newer construction. Clyde and Tuscola offer small-town living just outside the city with affordable acreage and a rural feel.
The Abilene economy is driven by Dyess AFB, healthcare, education, and agriculture. Major employers beyond Dyess include Hendrick Health, the Abilene Independent School District, Abilene Christian University, Hardin-Simmons University, McMurry University, and a growing manufacturing sector. Texas has no state income tax, which stretches your paycheck and BAH further.
Abilene’s small-city feel, low crime rate, strong schools, and tight-knit military community make it a duty station where many families are pleasantly surprised by how far their dollar goes and how welcoming the community is.
VA Loan Benefits for Abilene Homebuyers
VA loans give Abilene military homebuyers advantages that conventional loans simply cannot match. Key benefits include:
Zero down payment — buy a home in Abilene with nothing down, keeping your savings intact for moving costs, furniture, or emergencies.
No monthly mortgage insurance — unlike conventional or FHA loans, VA loans never charge monthly mortgage insurance, saving you hundreds of dollars each month.
Competitive interest rates — VA loan rates are typically lower than conventional rates because the VA guaranty reduces lender risk.
Flexible credit requirements — VA loans are more forgiving of past credit challenges than most loan programs, making homeownership accessible to more veterans.
Assumable loans — if you sell your Abilene home when you PCS, the buyer may be able to assume your VA loan at your original interest rate, which can be a major selling point in a high-rate market.
No prepayment penalty — pay off your VA loan early or make extra payments anytime without fees.
VA loans can be used for single-family homes, condos, townhomes, and multi-unit properties (up to four units) in Abilene and the surrounding communities.
Who Qualifies for a VA Loan in Abilene?
VA loan eligibility in Abilene is based on your military service. You may qualify if you meet one of the following:
Active-duty service members who have served at least 90 continuous days.
Veterans who meet minimum active-duty service requirements based on when they served.
National Guard and Reserve members with at least six years of service or 90 days of active-duty service under federal orders.
Surviving spouses of service members who died in the line of duty or from a service-connected disability, who have not remarried (or remarried after age 57).
To apply, you will need a Certificate of Eligibility (COE), which Scott can help you obtain — often within minutes. You will also need to meet basic income and credit requirements set by the lender, though VA loans are more flexible than conventional programs.
Whether you are stationed at Dyess AFB or you are a veteran who has settled in the Abilene area, TrueVet Mortgage can help you determine your eligibility and get pre-approved.
Why Work with TrueVet Mortgage for Your Abilene VA Loan?
TrueVet Mortgage was built by a veteran, for veterans. Scott Carlin spent 20 years in the Air Force before founding TrueVet Mortgage to give fellow service members the kind of mortgage experience they deserve — honest, informed, and built around the unique needs of military families.
Scott understands the challenges of PCS moves, BAH-based budgeting, deployment timelines, and the urgency of finding a home in a new duty station area. As an Air Force veteran himself, Scott has a personal understanding of what Dyess families go through when buying a home.
TrueVet Mortgage is licensed through Xpert Home Lending, Inc. (NMLS# 2179191) and serves veterans and military families across Florida and Texas. Scott handles every loan personally — no hand-offs, no call centers, and no surprises.
TrueVet Mortgage also serves veterans across Texas, including San Antonio, Killeen, El Paso, Houston, Dallas/Fort Worth, Austin, and Corpus Christi.
Call Scott Carlin at 321-364-4461 or visit our Schedule a Call page to get started with your Abilene VA loan.
Frequently Asked Questions About VA Loans in Abilene
Can I use a VA loan to buy a home in Abilene?
Yes. VA loans can be used to purchase a home anywhere in the Abilene area, including Southwest Abilene, Wylie, Clyde, Tuscola, Buffalo Gap, and Tye. The home must be your primary residence.
Do I need a down payment for a VA loan in Abilene?
No. VA loans require zero down payment regardless of the purchase price in Abilene. This is one of the biggest advantages of the VA loan program.
How long does it take to close on a VA loan in Abilene?
Most VA loans close in 21 to 30 days. Scott Carlin works closely with you throughout the process to keep everything on track and avoid delays.
Can I use my BAH to qualify for a VA loan?
Yes. Your Basic Allowance for Housing counts as qualifying income for a VA loan. Because BAH is tax-free, lenders can gross it up by 25%, increasing your buying power. Check your 2026 BAH rate for Dyess AFB using our BAH Calculator.
I am PCSing to Dyess AFB. Can I start the VA loan process before I arrive?
Yes. Scott regularly works with service members who are still at their current duty station. You can get pre-approved and start house hunting before your PCS, so you are ready to make an offer when you arrive in Abilene.
Can I buy a home in Clyde or Wylie with a VA loan?
Yes. VA loans work anywhere in the Abilene area, including Clyde, Wylie, Tuscola, Buffalo Gap, and Tye. There are no geographic restrictions within the United States.
What if I have used my VA loan benefit before?
You can use your VA loan benefit more than once. If your previous VA loan has been paid off and you have restored your entitlement, you can use it again with zero down payment. Scott can help you check your remaining entitlement.
TrueVet Mortgage also serves veterans across Texas, including San Antonio, Killeen, El Paso, Houston, Dallas/Fort Worth, Austin, and Corpus Christi.
Visit our VA Loan FAQ for answers to common questions
Look up your 2026 BAH rate for any Texas military installation with our free BAH Calculator.
Ready to Buy a Home in Abilene? Call Scott Carlin at 321-364-4461 or visit our Schedule a Call page. As a 20-year Air Force veteran and VA loan specialist, Scott will guide you through every step of the process — from pre-approval to closing.
