VA Home Loans in Killeen, Texas
Zero down payment. Scott Carlin, 20-year Air Force veteran and VA loan specialist serving Killeen and the Fort Hood community. Call 321-364-4461.
VA Loans in Killeen, TX — Veteran-Owned, Veteran-Focused
Killeen, Texas is home to Fort Hood — the largest and most populated military installation in the world. With over 36,000 active-duty service members and tens of thousands of veterans and military families in the surrounding area, Killeen is one of the most military-connected cities in America.
Scott Carlin is a 20-year Air Force veteran, mortgage loan originator (NMLS# 2613509), and founder of TrueVet Mortgage — a veteran-owned mortgage company specializing in VA home loans. Scott works directly with every client from pre-approval through closing. No call centers, no hand-offs.
Why Veterans Choose Killeen, Texas
Killeen sits in the heart of Central Texas, about an hour north of Austin and an hour south of Waco. The area offers an affordable cost of living, no state income tax, and a community built around the military. Fort Hood drives the local economy, and the surrounding cities of Harker Heights, Copperas Cove, Belton, and Temple offer a wide range of housing options for military families.
The median home price in the Killeen area is well below the national average, making it one of the most affordable markets for VA loan homebuyers in Texas. Whether you’re PCSing to Fort Hood, retiring in the area, or buying your first home, your VA loan benefit goes a long way here.
With a VA loan, eligible veterans can purchase a home in Killeen with zero down payment, competitive interest rates, and flexible credit requirements.
VA Loan Benefits for Killeen Homebuyers
VA loans offer significant advantages over FHA and conventional mortgages. Here’s what you get with a VA loan in Killeen:
Zero down payment — buy a home with nothing out of pocket.
Lower interest rates — VA rates are typically 0.25% to 0.50% lower than conventional rates.
Flexible credit requirements — the VA does not set a minimum credit score, and most lenders work with scores as low as 580.
No prepayment penalties — pay off your loan early with no extra fees.
VA funding fee exemption — veterans with a service-connected disability are exempt from the VA funding fee, saving thousands at closing.
Reusable benefit — you can use your VA loan benefit multiple times throughout your life.
Loan amounts up to $4M with full entitlement — no loan limits for eligible veterans.
Who Qualifies for a VA Loan in Killeen?
You may be eligible for a VA loan if you are a veteran with an honorable discharge, an active-duty service member, a member of the National Guard or Reserves with qualifying service, or a surviving spouse of a veteran who died in service or from a service-connected disability.
To get started, you’ll need a Certificate of Eligibility (COE) from the VA. Scott Carlin can pull your COE for you in minutes — no need to navigate the VA website yourself.
Why Work With TrueVet Mortgage in Killeen?
TrueVet Mortgage isn’t a national call center or a big-box lender. Scott Carlin is a 20-year Air Force veteran who understands PCS moves, BAH, VA disability income, and the unique financial challenges military families face — because he’s lived them.
When you work with TrueVet Mortgage, you get one point of contact from application to closing. Scott handles your loan personally and is available by phone, text, or email whenever you have questions. Most TrueVet loans close in 21-30 days.
TrueVet Mortgage is licensed through Xpert Home Lending, Inc. (NMLS# 2179191) and serves veterans and all homebuyers across Florida and Texas.
Frequently Asked Questions About VA Loans in Killeen
What credit score do I need for a VA loan in Killeen?
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 and can help you understand your options.
Can I use a VA loan to buy a condo in Killeen?
Yes. The condo or condo community must be on the VA’s approved list. Scott can help you check whether a specific property qualifies.
Is there a VA loan limit in Killeen?
For veterans with full entitlement, there is no loan limit. You can borrow as much as a lender is willing to approve. Veterans with reduced entitlement are subject to county-level limits.
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 at the same time.
How long does it take to close a VA loan in Killeen?
TrueVet Mortgage typically closes VA loans in 21-30 days. Timelines can vary depending on appraisal scheduling, title work, and borrower documentation.
Does the VA funding fee apply in Killeen?
Yes, unless you are exempt. Veterans with a service-connected disability rating are exempt from the VA funding fee, which can save thousands at closing. Scott can help you determine whether you qualify for an exemption.
I’m PCSing to Fort Hood. Can I start the VA loan process before I arrive?
Yes. Scott works with military families remotely all the time. You can get pre-approved, start house hunting with a local agent, and close on your home before or shortly after you arrive at Fort Hood.
Visit our VA Loan FAQ for answers to common questions
Stationed at Fort Hood? Check your 2026 BAH rate with our free BAH Calculator and see how it can cover your VA loan payment.
Ready to Use Your VA Loan Benefit in Killeen? Call Scott Carlin at 321-364-4461 or visit our Schedule a Call page to book a free consultation.
