VA Loans In Texas - Overview & Benefits - Security America Mortgage

VA Loans In Texas

 

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VA Loan Overview

VA Loans In Texas are home loans made available to military veterans, reservists, and active duty members for the purchase of a primary residence. The Veterans Administration does not lend money for VA loans; instead it guarantees the top twenty five percent of the loans made by private lenders, such as Security America Mortgage, to those who qualify. Qualified veterans can use the VA Home Loan Benefit to purchase a home with zero money down, no private mortgage insurance, and have the sellers pay all of their closing costs. These benefits, along with highly competitive interest rates, are making the VA home loan for the preferred loan choice for many veterans.

VA Loan History

The VA Loans In Texas program was enacted by Congress in 1944 as a way to extend benefits to returning veterans as part of the Servicemen’s Readjustment Act. The government setup a system in which private lenders would make home loans to veterans and in return the government would guarantee the lender against any loss in the event of a default. In 1992 the VA Loan program was expanded to allow Reserve and National Guard members the ability to obtain a VA home loan provided they had at least six years of honorable service. As of today, more than 18 million veterans have used their VA home loan benefits. In the wake of the 2007 housing crisis, the VA home loan program has seen increased usage as many lenders throughout the country have tightened their lending standards.

VA Loan Interest Rates and Cost

Veterans home loans Texas have the same cost associated with closing as all other home loan products. There are two key differences in terms of closing cost with a VA home loan. First, if negotiated into the purchase contract, all closing costs and prepaid items can be paid by the seller, totaling up to four percent of the purchase price. Second, the Department of Veterans Affairs charges a VA Funding Fee on every loan it guarantees. The VA Funding Fee is paid directly to the VA and helps to pay for the VA Home Loan Program for all current and future homebuyers. The VA Funding Fee ranges from 1.25 percent to 3.3 percent, but is waived for veterans with service-connected disabilities. The VA Funding fee can be paid in full at closing or rolled into the loan at closing. Typically, Veterans home loans Texas interest rates are lower when compared to Conventional and FHA loans. VA Loan Calculator can help you determine your payments. If you are looking for a VA Loans In Texas, dont hesitate to fill out the form above to get started!

Veterans Home Loans Texas Benefits

– No Down Payment For VA Loans Saving enough money for a down payment can very difficult for active duty service members who are moving from base to base. With no down payment required for a Veterans home loans Texas, many veterans can purchase a home with little to no money out of pocket. – Lower Interest Rate Because the Department of Veteran Affairs guarantees each loan, interest rates are typically 0.25 to 1 percent lower than those of conventional loans. – No Mortgage Insurance Since the VA guarantees the lender the top 25 percent of the loan, no mortgage insurance is required. Most conventional loans require a borrower to put down at least 20 percent of the purchase price or pay mortgage insurance. Mortgage insurance can be costly and does not ever go towards reducing your principal balance.

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Texas County Limits

 
FIPS State CodeFIPS County CodeCounty NameStateCBSA NumberOne-Unit LimitTwo-Unit LimitThree-Unit LimitFour-Unit Limit
48001ANDERSONTX37300$453,100$580,150$701,250$871,450
48003ANDREWSTX11380$453,100$580,150$701,250$871,450
48005ANGELINATX31260$453,100$580,150$701,250$871,450
48007ARANSASTX18580$453,100$580,150$701,250$871,450
48009ARCHERTX48660$453,100$580,150$701,250$871,450
48011ARMSTRONGTX11100$453,100$580,150$701,250$871,450
48013ATASCOSATX41700$453,100$580,150$701,250$871,450
48015AUSTINTX26420$453,100$580,150$701,250$871,450
48017BAILEYTX$453,100$580,150$701,250$871,450
48019BANDERATX41700$453,100$580,150$701,250$871,450
48021BASTROPTX12420$453,100$580,150$701,250$871,450
48023BAYLORTX$453,100$580,150$701,250$871,450
48025BEETX13300$453,100$580,150$701,250$871,450
48027BELLTX28660$453,100$580,150$701,250$871,450
48029BEXARTX41700$453,100$580,150$701,250$871,450
48031BLANCOTX$453,100$580,150$701,250$871,450
48033BORDENTX$453,100$580,150$701,250$871,450
48035BOSQUETX$453,100$580,150$701,250$871,450
48037BOWIETX45500$453,100$580,150$701,250$871,450
48039BRAZORIATX26420$453,100$580,150$701,250$871,450
48041BRAZOSTX17780$453,100$580,150$701,250$871,450
48043BREWSTERTX$453,100$580,150$701,250$871,450
48045BRISCOETX$453,100$580,150$701,250$871,450
48047BROOKSTX$453,100$580,150$701,250$871,450
48049BROWNTX15220$453,100$580,150$701,250$871,450
48051BURLESONTX17780$453,100$580,150$701,250$871,450
48053BURNETTX$453,100$580,150$701,250$871,450
48055CALDWELLTX12420$453,100$580,150$701,250$871,450
48057CALHOUNTX38920$453,100$580,150$701,250$871,450
48059CALLAHANTX10180$453,100$580,150$701,250$871,450
48061CAMERONTX15180$453,100$580,150$701,250$871,450
48063CAMPTX$453,100$580,150$701,250$871,450
48065CARSONTX11100$453,100$580,150$701,250$871,450
48067CASSTX$453,100$580,150$701,250$871,450
48069CASTROTX$453,100$580,150$701,250$871,450
48071CHAMBERSTX26420$453,100$580,150$701,250$871,450
48073CHEROKEETX27380$453,100$580,150$701,250$871,450
48075CHILDRESSTX$453,100$580,150$701,250$871,450
48077CLAYTX48660$453,100$580,150$701,250$871,450
48079COCHRANTX$453,100$580,150$701,250$871,450
48081COKETX$453,100$580,150$701,250$871,450
48083COLEMANTX$453,100$580,150$701,250$871,450
48085COLLINTX19100$453,100$580,150$701,250$871,450
48087COLLINGSWORTHTX$453,100$580,150$701,250$871,450
48089COLORADOTX$453,100$580,150$701,250$871,450
48091COMALTX41700$453,100$580,150$701,250$871,450
48093COMANCHETX$453,100$580,150$701,250$871,450
48095CONCHOTX$453,100$580,150$701,250$871,450
48097COOKETX23620$453,100$580,150$701,250$871,450
48099CORYELLTX28660$453,100$580,150$701,250$871,450
48101COTTLETX$453,100$580,150$701,250$871,450
48103CRANETX$453,100$580,150$701,250$871,450
48105CROCKETTTX$453,100$580,150$701,250$871,450
48107CROSBYTX31180$453,100$580,150$701,250$871,450
48109CULBERSONTX$453,100$580,150$701,250$871,450
48111DALLAMTX$453,100$580,150$701,250$871,450
48113DALLASTX19100$453,100$580,150$701,250$871,450
48115DAWSONTX29500$453,100$580,150$701,250$871,450
48117DEAF SMITHTX25820$453,100$580,150$701,250$871,450
48119DELTATX$453,100$580,150$701,250$871,450
48121DENTONTX19100$453,100$580,150$701,250$871,450
48123DE WITTTX$453,100$580,150$701,250$871,450
48125DICKENSTX$453,100$580,150$701,250$871,450
48127DIMMITTX$453,100$580,150$701,250$871,450
48129DONLEYTX$453,100$580,150$701,250$871,450
48131DUVALTX$453,100$580,150$701,250$871,450
48133EASTLANDTX$453,100$580,150$701,250$871,450
48135ECTORTX36220$453,100$580,150$701,250$871,450
48137EDWARDSTX$453,100$580,150$701,250$871,450
48139ELLISTX19100$453,100$580,150$701,250$871,450
48141EL PASOTX21340$453,100$580,150$701,250$871,450
48143ERATHTX44500$453,100$580,150$701,250$871,450
48145FALLSTX47380$453,100$580,150$701,250$871,450
48147FANNINTX14300$453,100$580,150$701,250$871,450
48149FAYETTETX$453,100$580,150$701,250$871,450
48151FISHERTX$453,100$580,150$701,250$871,450
48153FLOYDTX$453,100$580,150$701,250$871,450
48155FOARDTX$453,100$580,150$701,250$871,450
48157FORT BENDTX26420$453,100$580,150$701,250$871,450
48159FRANKLINTX$453,100$580,150$701,250$871,450
48161FREESTONETX$453,100$580,150$701,250$871,450
48163FRIOTX$453,100$580,150$701,250$871,450
48165GAINESTX$453,100$580,150$701,250$871,450
48167GALVESTONTX26420$453,100$580,150$701,250$871,450
48169GARZATX$453,100$580,150$701,250$871,450
48171GILLESPIETX23240$453,100$580,150$701,250$871,450
48173GLASSCOCKTX13700$453,100$580,150$701,250$871,450
48175GOLIADTX47020$453,100$580,150$701,250$871,450
48177GONZALESTX$453,100$580,150$701,250$871,450
48179GRAYTX37420$453,100$580,150$701,250$871,450
48181GRAYSONTX43300$453,100$580,150$701,250$871,450
48183GREGGTX30980$453,100$580,150$701,250$871,450
48185GRIMESTX$453,100$580,150$701,250$871,450
48187GUADALUPETX41700$453,100$580,150$701,250$871,450
48189HALETX38380$453,100$580,150$701,250$871,450
48191HALLTX$453,100$580,150$701,250$871,450
48193HAMILTONTX$453,100$580,150$701,250$871,450
48195HANSFORDTX$453,100$580,150$701,250$871,450
48197HARDEMANTX$453,100$580,150$701,250$871,450
48199HARDINTX13140$453,100$580,150$701,250$871,450
48201HARRISTX26420$453,100$580,150$701,250$871,450
48203HARRISONTX32220$453,100$580,150$701,250$871,450
48205HARTLEYTX$453,100$580,150$701,250$871,450
48207HASKELLTX$453,100$580,150$701,250$871,450
48209HAYSTX12420$453,100$580,150$701,250$871,450
48211HEMPHILLTX$453,100$580,150$701,250$871,450
48213HENDERSONTX11980$453,100$580,150$701,250$871,450
48215HIDALGOTX32580$453,100$580,150$701,250$871,450
48217HILLTX$453,100$580,150$701,250$871,450
48219HOCKLEYTX30220$453,100$580,150$701,250$871,450
48221HOODTX19100$453,100$580,150$701,250$871,450
48223HOPKINSTX44860$453,100$580,150$701,250$871,450
48225HOUSTONTX$453,100$580,150$701,250$871,450
48227HOWARDTX13700$453,100$580,150$701,250$871,450
48229HUDSPETHTX21340$453,100$580,150$701,250$871,450
48231HUNTTX19100$453,100$580,150$701,250$871,450
48233HUTCHINSONTX14420$453,100$580,150$701,250$871,450
48235IRIONTX41660$453,100$580,150$701,250$871,450
48237JACKTX$453,100$580,150$701,250$871,450
48239JACKSONTX$453,100$580,150$701,250$871,450
48241JASPERTX$453,100$580,150$701,250$871,450
48243JEFF DAVISTX$453,100$580,150$701,250$871,450
48245JEFFERSONTX13140$453,100$580,150$701,250$871,450
48247JIM HOGGTX$453,100$580,150$701,250$871,450
48249JIM WELLSTX10860$453,100$580,150$701,250$871,450
48251JOHNSONTX19100$453,100$580,150$701,250$871,450
48253JONESTX10180$453,100$580,150$701,250$871,450
48255KARNESTX$453,100$580,150$701,250$871,450
48257KAUFMANTX19100$453,100$580,150$701,250$871,450
48259KENDALLTX41700$453,100$580,150$701,250$871,450
48261KENEDYTX28780$453,100$580,150$701,250$871,450
48263KENTTX$453,100$580,150$701,250$871,450
48265KERRTX28500$453,100$580,150$701,250$871,450
48267KIMBLETX$453,100$580,150$701,250$871,450
48269KINGTX$453,100$580,150$701,250$871,450
48271KINNEYTX$453,100$580,150$701,250$871,450
48273KLEBERGTX28780$453,100$580,150$701,250$871,450
48275KNOXTX$453,100$580,150$701,250$871,450
48277LAMARTX37580$453,100$580,150$701,250$871,450
48279LAMBTX$453,100$580,150$701,250$871,450
48281LAMPASASTX28660$453,100$580,150$701,250$871,450
48283LA SALLETX$453,100$580,150$701,250$871,450
48285LAVACATX$453,100$580,150$701,250$871,450
48287LEETX$453,100$580,150$701,250$871,450
48289LEONTX$453,100$580,150$701,250$871,450
48291LIBERTYTX26420$453,100$580,150$701,250$871,450
48293LIMESTONETX$453,100$580,150$701,250$871,450
48295LIPSCOMBTX$453,100$580,150$701,250$871,450
48297LIVE OAKTX$453,100$580,150$701,250$871,450
48299LLANOTX$453,100$580,150$701,250$871,450
48301LOVINGTX$453,100$580,150$701,250$871,450
48303LUBBOCKTX31180$453,100$580,150$701,250$871,450
48305LYNNTX31180$453,100$580,150$701,250$871,450
48307MCCULLOCHTX$453,100$580,150$701,250$871,450
48309MCLENNANTX47380$453,100$580,150$701,250$871,450
48311MCMULLENTX$453,100$580,150$701,250$871,450
48313MADISONTX$453,100$580,150$701,250$871,450
48315MARIONTX$453,100$580,150$701,250$871,450
48317MARTINTX33260$453,100$580,150$701,250$871,450
48319MASONTX$453,100$580,150$701,250$871,450
48321MATAGORDATX13060$453,100$580,150$701,250$871,450
48323MAVERICKTX20580$453,100$580,150$701,250$871,450
48325MEDINATX41700$453,100$580,150$701,250$871,450
48327MENARDTX$453,100$580,150$701,250$871,450
48329MIDLANDTX33260$453,100$580,150$701,250$871,450
48331MILAMTX$453,100$580,150$701,250$871,450
48333MILLSTX$453,100$580,150$701,250$871,450
48335MITCHELLTX$453,100$580,150$701,250$871,450
48337MONTAGUETX$453,100$580,150$701,250$871,450
48339MONTGOMERYTX26420$453,100$580,150$701,250$871,450
48341MOORETX20300$453,100$580,150$701,250$871,450
48343MORRISTX$453,100$580,150$701,250$871,450
48345MOTLEYTX$453,100$580,150$701,250$871,450
48347NACOGDOCHESTX34860$453,100$580,150$701,250$871,450
48349NAVARROTX18620$453,100$580,150$701,250$871,450
48351NEWTONTX13140$453,100$580,150$701,250$871,450
48353NOLANTX45020$453,100$580,150$701,250$871,450
48355NUECESTX18580$453,100$580,150$701,250$871,450
48357OCHILTREETX$453,100$580,150$701,250$871,450
48359OLDHAMTX11100$453,100$580,150$701,250$871,450
48361ORANGETX13140$453,100$580,150$701,250$871,450
48363PALO PINTOTX33420$453,100$580,150$701,250$871,450
48365PANOLATX$453,100$580,150$701,250$871,450
48367PARKERTX19100$453,100$580,150$701,250$871,450
48369PARMERTX$453,100$580,150$701,250$871,450
48371PECOSTX$453,100$580,150$701,250$871,450
48373POLKTX$453,100$580,150$701,250$871,450
48375POTTERTX11100$453,100$580,150$701,250$871,450
48377PRESIDIOTX$453,100$580,150$701,250$871,450
48379RAINSTX$453,100$580,150$701,250$871,450
48381RANDALLTX11100$453,100$580,150$701,250$871,450
48383REAGANTX$453,100$580,150$701,250$871,450
48385REALTX$453,100$580,150$701,250$871,450
48387RED RIVERTX$453,100$580,150$701,250$871,450
48389REEVESTX37780$453,100$580,150$701,250$871,450
48391REFUGIOTX$453,100$580,150$701,250$871,450
48393ROBERTSTX$453,100$580,150$701,250$871,450
48395ROBERTSONTX17780$453,100$580,150$701,250$871,450
48397ROCKWALLTX19100$453,100$580,150$701,250$871,450
48399RUNNELSTX$453,100$580,150$701,250$871,450
48401RUSKTX30980$453,100$580,150$701,250$871,450
48403SABINETX$453,100$580,150$701,250$871,450
48405SAN AUGUSTINETX$453,100$580,150$701,250$871,450
48407SAN JACINTOTX$453,100$580,150$701,250$871,450
48409SAN PATRICIOTX18580$453,100$580,150$701,250$871,450
48411SAN SABATX$453,100$580,150$701,250$871,450
48413SCHLEICHERTX$453,100$580,150$701,250$871,450
48415SCURRYTX43660$453,100$580,150$701,250$871,450
48417SHACKELFORDTX$453,100$580,150$701,250$871,450
48419SHELBYTX$453,100$580,150$701,250$871,450
48421SHERMANTX$453,100$580,150$701,250$871,450
48423SMITHTX46340$453,100$580,150$701,250$871,450
48425SOMERVELLTX19100$453,100$580,150$701,250$871,450
48427STARRTX40100$453,100$580,150$701,250$871,450
48429STEPHENSTX$453,100$580,150$701,250$871,450
48431STERLINGTX$453,100$580,150$701,250$871,450
48433STONEWALLTX$453,100$580,150$701,250$871,450
48435SUTTONTX$453,100$580,150$701,250$871,450
48437SWISHERTX$453,100$580,150$701,250$871,450
48439TARRANTTX19100$453,100$580,150$701,250$871,450
48441TAYLORTX10180$453,100$580,150$701,250$871,450
48443TERRELLTX$453,100$580,150$701,250$871,450
48445TERRYTX$453,100$580,150$701,250$871,450
48447THROCKMORTONTX$453,100$580,150$701,250$871,450
48449TITUSTX34420$453,100$580,150$701,250$871,450
48451TOM GREENTX41660$453,100$580,150$701,250$871,450
48453TRAVISTX12420$453,100$580,150$701,250$871,450
48455TRINITYTX26660$453,100$580,150$701,250$871,450
48457TYLERTX$453,100$580,150$701,250$871,450
48459UPSHURTX30980$453,100$580,150$701,250$871,450
48461UPTONTX$453,100$580,150$701,250$871,450
48463UVALDETX46620$453,100$580,150$701,250$871,450
48465VAL VERDETX19620$453,100$580,150$701,250$871,450
48467VAN ZANDTTX$453,100$580,150$701,250$871,450
48469VICTORIATX47020$453,100$580,150$701,250$871,450
48471WALKERTX26660$453,100$580,150$701,250$871,450
48473WALLERTX26420$453,100$580,150$701,250$871,450
48475WARDTX$453,100$580,150$701,250$871,450
48477WASHINGTONTX14780$453,100$580,150$701,250$871,450
48479WEBBTX29700$453,100$580,150$701,250$871,450
48481WHARTONTX20900$453,100$580,150$701,250$871,450
48483WHEELERTX$453,100$580,150$701,250$871,450
48485WICHITATX48660$453,100$580,150$701,250$871,450
48487WILBARGERTX46900$453,100$580,150$701,250$871,450
48489WILLACYTX39700$453,100$580,150$701,250$871,450
48491WILLIAMSONTX12420$453,100$580,150$701,250$871,450
48493WILSONTX41700$453,100$580,150$701,250$871,450
48495WINKLERTX$453,100$580,150$701,250$871,450
48497WISETX19100$453,100$580,150$701,250$871,450
48499WOODTX$453,100$580,150$701,250$871,450
48501YOAKUMTX$453,100$580,150$701,250$871,450
48503YOUNGTX$453,100$580,150$701,250$871,450
48505ZAPATATX49820$453,100$580,150$701,250$871,450
48507ZAVALATX$453,100$580,150$701,250$871,450
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