Zero down payment. No monthly mortgage insurance. Veteran-to-veteran service from a 20-year Air Force veteran who knows what a PCS move looks like.
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.
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.
VA loans give Texas veterans a significant advantage in the housing market. Combined with the state’s affordable cost of living and no state income tax, VA loan benefits stretch even further here:
TrueVet Mortgage serves veterans and military families in every county in Texas. Scott has expertise helping homebuyers near Texas’s major military installations:
No matter where you are stationed or settling in Texas, TrueVet Mortgage can help you use your VA loan benefit.
Scott can help you understand whether a federal VA loan, a Texas VLB loan, or a combination of programs is the best fit.
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 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.
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 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.