VA Home Loans in Dallas/Fort Worth, Texas
Serving Naval Air Station Fort Worth JRB, the DFW veteran community, and military families across North Texas. 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 Dallas/Fort Worth
The Dallas/Fort Worth metroplex is home to one of the largest veteran populations in the country, with more than 400,000 veterans living across North Texas. Naval Air Station Fort Worth Joint Reserve Base (NAS Fort Worth JRB) is the only military installation within the metroplex, supporting Navy, Marine Corps, Air Force Reserve, and Texas Air National Guard operations. The base is home to the F-16 fighter wing and serves as a major hub for reserve and guard forces across all branches.
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. Scott helps veterans and military families throughout the DFW metroplex navigate the VA loan process from pre-approval to closing — typically in 21 to 30 days.
Why Veterans Choose Dallas/Fort Worth
The DFW metroplex offers veterans one of the strongest job markets in the country, a low cost of living compared to other major metros, and a massive defense and aerospace industry that makes the transition from military to civilian careers easier than almost anywhere else.
Popular neighborhoods and communities for military families include Fort Worth, Arlington, Mansfield, Burleson, Weatherford, Benbrook, White Settlement, Grand Prairie, Frisco, McKinney, Allen, Plano, and Denton. Fort Worth and the surrounding communities of Benbrook, White Settlement, and Burleson are closest to NAS Fort Worth JRB. Arlington and Grand Prairie sit between Dallas and Fort Worth with affordable housing and central access to the entire metroplex. Frisco, McKinney, Allen, and Plano on the north side are among the fastest-growing cities in Texas with top-rated schools and booming development.
The DFW economy is anchored by defense and aerospace, technology, healthcare, finance, and logistics. Major employers with military and defense connections include Lockheed Martin (which operates one of its largest facilities in Fort Worth, building the F-35), Bell (helicopters and tiltrotor aircraft), Raytheon, L3Harris Technologies, Elbit Systems of America, Textron Aviation, and the Defense Contract Management Agency. American Airlines, AT&T, Charles Schwab, and dozens of Fortune 500 companies are also headquartered in the metroplex.
Texas has no state income tax, and DFW’s housing market offers far more value than comparable metros like Los Angeles, New York, or Washington D.C. The combination of defense industry jobs, affordable housing, veteran support services, and no state income tax makes DFW one of the best places in the country for veterans and military families.
VA Loan Benefits for DFW Homebuyers
VA loans give DFW military homebuyers advantages that conventional loans simply cannot match. Key benefits include:
Zero down payment — buy a home in Dallas/Fort Worth 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 DFW home, 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) anywhere in the Dallas/Fort Worth metroplex.
Who Qualifies for a VA Loan in Dallas/Fort Worth?
VA loan eligibility in Dallas/Fort Worth 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 serve at NAS Fort Worth JRB, work in the defense industry, or you are a veteran who has built a life in the DFW area, TrueVet Mortgage can help you determine your eligibility and get pre-approved.
Why Work with TrueVet Mortgage for Your DFW 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 veterans face when buying a home — whether it is transitioning out of service into a DFW defense industry job, using your VA loan benefit for the first time, or navigating a fast-moving market across a metroplex that spans 13 counties. He has walked the same path and knows what matters.
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, Austin, and Corpus Christi.
Call Scott Carlin at 321-364-4461 or visit our Schedule a Call page to get started with your DFW VA loan.
Frequently Asked Questions About VA Loans in Dallas/Fort Worth
Can I use a VA loan to buy a home in Dallas/Fort Worth?
Yes. VA loans can be used to purchase a home anywhere in the DFW metroplex, including Fort Worth, Arlington, Mansfield, Burleson, Frisco, McKinney, Plano, Grand Prairie, Denton, and dozens of other cities across North Texas. The home must be your primary residence.
Do I need a down payment for a VA loan in DFW?
No. VA loans require zero down payment regardless of the purchase price in the Dallas/Fort Worth area. This is one of the biggest advantages of the VA loan program.
How long does it take to close on a VA loan in DFW?
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.
I am a veteran living in DFW. Can I still use my VA loan benefit?
Yes. You do not need to be active-duty or live near a military base to use your VA loan benefit. Any eligible veteran living in the Dallas/Fort Worth area can use a VA loan to purchase a primary residence. Scott can help you obtain your Certificate of Eligibility and get pre-approved.
Can I use my VA disability income to qualify for a VA loan in DFW?
Yes. VA disability compensation counts as qualifying income for a VA loan. Because VA disability income is tax-free, lenders can gross it up by 25%, increasing your buying power. Veterans with a service-connected disability rating of 10% or higher are also exempt from the VA funding fee.
Can I buy a home in Frisco or Arlington with a VA loan?
Yes. VA loans work anywhere in the DFW metroplex, including Frisco, Arlington, McKinney, Plano, Mansfield, Burleson, Fort Worth, Grand Prairie, and Denton. 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 Dallas/Fort Worth? 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.
