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 Code FIPS County Code County Name State CBSA Number One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit
48 001 ANDERSON TX 37300 $453,100 $580,150 $701,250 $871,450
48 003 ANDREWS TX 11380 $453,100 $580,150 $701,250 $871,450
48 005 ANGELINA TX 31260 $453,100 $580,150 $701,250 $871,450
48 007 ARANSAS TX 18580 $453,100 $580,150 $701,250 $871,450
48 009 ARCHER TX 48660 $453,100 $580,150 $701,250 $871,450
48 011 ARMSTRONG TX 11100 $453,100 $580,150 $701,250 $871,450
48 013 ATASCOSA TX 41700 $453,100 $580,150 $701,250 $871,450
48 015 AUSTIN TX 26420 $453,100 $580,150 $701,250 $871,450
48 017 BAILEY TX $453,100 $580,150 $701,250 $871,450
48 019 BANDERA TX 41700 $453,100 $580,150 $701,250 $871,450
48 021 BASTROP TX 12420 $453,100 $580,150 $701,250 $871,450
48 023 BAYLOR TX $453,100 $580,150 $701,250 $871,450
48 025 BEE TX 13300 $453,100 $580,150 $701,250 $871,450
48 027 BELL TX 28660 $453,100 $580,150 $701,250 $871,450
48 029 BEXAR TX 41700 $453,100 $580,150 $701,250 $871,450
48 031 BLANCO TX $453,100 $580,150 $701,250 $871,450
48 033 BORDEN TX $453,100 $580,150 $701,250 $871,450
48 035 BOSQUE TX $453,100 $580,150 $701,250 $871,450
48 037 BOWIE TX 45500 $453,100 $580,150 $701,250 $871,450
48 039 BRAZORIA TX 26420 $453,100 $580,150 $701,250 $871,450
48 041 BRAZOS TX 17780 $453,100 $580,150 $701,250 $871,450
48 043 BREWSTER TX $453,100 $580,150 $701,250 $871,450
48 045 BRISCOE TX $453,100 $580,150 $701,250 $871,450
48 047 BROOKS TX $453,100 $580,150 $701,250 $871,450
48 049 BROWN TX 15220 $453,100 $580,150 $701,250 $871,450
48 051 BURLESON TX 17780 $453,100 $580,150 $701,250 $871,450
48 053 BURNET TX $453,100 $580,150 $701,250 $871,450
48 055 CALDWELL TX 12420 $453,100 $580,150 $701,250 $871,450
48 057 CALHOUN TX 38920 $453,100 $580,150 $701,250 $871,450
48 059 CALLAHAN TX 10180 $453,100 $580,150 $701,250 $871,450
48 061 CAMERON TX 15180 $453,100 $580,150 $701,250 $871,450
48 063 CAMP TX $453,100 $580,150 $701,250 $871,450
48 065 CARSON TX 11100 $453,100 $580,150 $701,250 $871,450
48 067 CASS TX $453,100 $580,150 $701,250 $871,450
48 069 CASTRO TX $453,100 $580,150 $701,250 $871,450
48 071 CHAMBERS TX 26420 $453,100 $580,150 $701,250 $871,450
48 073 CHEROKEE TX 27380 $453,100 $580,150 $701,250 $871,450
48 075 CHILDRESS TX $453,100 $580,150 $701,250 $871,450
48 077 CLAY TX 48660 $453,100 $580,150 $701,250 $871,450
48 079 COCHRAN TX $453,100 $580,150 $701,250 $871,450
48 081 COKE TX $453,100 $580,150 $701,250 $871,450
48 083 COLEMAN TX $453,100 $580,150 $701,250 $871,450
48 085 COLLIN TX 19100 $453,100 $580,150 $701,250 $871,450
48 087 COLLINGSWORTH TX $453,100 $580,150 $701,250 $871,450
48 089 COLORADO TX $453,100 $580,150 $701,250 $871,450
48 091 COMAL TX 41700 $453,100 $580,150 $701,250 $871,450
48 093 COMANCHE TX $453,100 $580,150 $701,250 $871,450
48 095 CONCHO TX $453,100 $580,150 $701,250 $871,450
48 097 COOKE TX 23620 $453,100 $580,150 $701,250 $871,450
48 099 CORYELL TX 28660 $453,100 $580,150 $701,250 $871,450
48 101 COTTLE TX $453,100 $580,150 $701,250 $871,450
48 103 CRANE TX $453,100 $580,150 $701,250 $871,450
48 105 CROCKETT TX $453,100 $580,150 $701,250 $871,450
48 107 CROSBY TX 31180 $453,100 $580,150 $701,250 $871,450
48 109 CULBERSON TX $453,100 $580,150 $701,250 $871,450
48 111 DALLAM TX $453,100 $580,150 $701,250 $871,450
48 113 DALLAS TX 19100 $453,100 $580,150 $701,250 $871,450
48 115 DAWSON TX 29500 $453,100 $580,150 $701,250 $871,450
48 117 DEAF SMITH TX 25820 $453,100 $580,150 $701,250 $871,450
48 119 DELTA TX $453,100 $580,150 $701,250 $871,450
48 121 DENTON TX 19100 $453,100 $580,150 $701,250 $871,450
48 123 DE WITT TX $453,100 $580,150 $701,250 $871,450
48 125 DICKENS TX $453,100 $580,150 $701,250 $871,450
48 127 DIMMIT TX $453,100 $580,150 $701,250 $871,450
48 129 DONLEY TX $453,100 $580,150 $701,250 $871,450
48 131 DUVAL TX $453,100 $580,150 $701,250 $871,450
48 133 EASTLAND TX $453,100 $580,150 $701,250 $871,450
48 135 ECTOR TX 36220 $453,100 $580,150 $701,250 $871,450
48 137 EDWARDS TX $453,100 $580,150 $701,250 $871,450
48 139 ELLIS TX 19100 $453,100 $580,150 $701,250 $871,450
48 141 EL PASO TX 21340 $453,100 $580,150 $701,250 $871,450
48 143 ERATH TX 44500 $453,100 $580,150 $701,250 $871,450
48 145 FALLS TX 47380 $453,100 $580,150 $701,250 $871,450
48 147 FANNIN TX 14300 $453,100 $580,150 $701,250 $871,450
48 149 FAYETTE TX $453,100 $580,150 $701,250 $871,450
48 151 FISHER TX $453,100 $580,150 $701,250 $871,450
48 153 FLOYD TX $453,100 $580,150 $701,250 $871,450
48 155 FOARD TX $453,100 $580,150 $701,250 $871,450
48 157 FORT BEND TX 26420 $453,100 $580,150 $701,250 $871,450
48 159 FRANKLIN TX $453,100 $580,150 $701,250 $871,450
48 161 FREESTONE TX $453,100 $580,150 $701,250 $871,450
48 163 FRIO TX $453,100 $580,150 $701,250 $871,450
48 165 GAINES TX $453,100 $580,150 $701,250 $871,450
48 167 GALVESTON TX 26420 $453,100 $580,150 $701,250 $871,450
48 169 GARZA TX $453,100 $580,150 $701,250 $871,450
48 171 GILLESPIE TX 23240 $453,100 $580,150 $701,250 $871,450
48 173 GLASSCOCK TX 13700 $453,100 $580,150 $701,250 $871,450
48 175 GOLIAD TX 47020 $453,100 $580,150 $701,250 $871,450
48 177 GONZALES TX $453,100 $580,150 $701,250 $871,450
48 179 GRAY TX 37420 $453,100 $580,150 $701,250 $871,450
48 181 GRAYSON TX 43300 $453,100 $580,150 $701,250 $871,450
48 183 GREGG TX 30980 $453,100 $580,150 $701,250 $871,450
48 185 GRIMES TX $453,100 $580,150 $701,250 $871,450
48 187 GUADALUPE TX 41700 $453,100 $580,150 $701,250 $871,450
48 189 HALE TX 38380 $453,100 $580,150 $701,250 $871,450
48 191 HALL TX $453,100 $580,150 $701,250 $871,450
48 193 HAMILTON TX $453,100 $580,150 $701,250 $871,450
48 195 HANSFORD TX $453,100 $580,150 $701,250 $871,450
48 197 HARDEMAN TX $453,100 $580,150 $701,250 $871,450
48 199 HARDIN TX 13140 $453,100 $580,150 $701,250 $871,450
48 201 HARRIS TX 26420 $453,100 $580,150 $701,250 $871,450
48 203 HARRISON TX 32220 $453,100 $580,150 $701,250 $871,450
48 205 HARTLEY TX $453,100 $580,150 $701,250 $871,450
48 207 HASKELL TX $453,100 $580,150 $701,250 $871,450
48 209 HAYS TX 12420 $453,100 $580,150 $701,250 $871,450
48 211 HEMPHILL TX $453,100 $580,150 $701,250 $871,450
48 213 HENDERSON TX 11980 $453,100 $580,150 $701,250 $871,450
48 215 HIDALGO TX 32580 $453,100 $580,150 $701,250 $871,450
48 217 HILL TX $453,100 $580,150 $701,250 $871,450
48 219 HOCKLEY TX 30220 $453,100 $580,150 $701,250 $871,450
48 221 HOOD TX 19100 $453,100 $580,150 $701,250 $871,450
48 223 HOPKINS TX 44860 $453,100 $580,150 $701,250 $871,450
48 225 HOUSTON TX $453,100 $580,150 $701,250 $871,450
48 227 HOWARD TX 13700 $453,100 $580,150 $701,250 $871,450
48 229 HUDSPETH TX 21340 $453,100 $580,150 $701,250 $871,450
48 231 HUNT TX 19100 $453,100 $580,150 $701,250 $871,450
48 233 HUTCHINSON TX 14420 $453,100 $580,150 $701,250 $871,450
48 235 IRION TX 41660 $453,100 $580,150 $701,250 $871,450
48 237 JACK TX $453,100 $580,150 $701,250 $871,450
48 239 JACKSON TX $453,100 $580,150 $701,250 $871,450
48 241 JASPER TX $453,100 $580,150 $701,250 $871,450
48 243 JEFF DAVIS TX $453,100 $580,150 $701,250 $871,450
48 245 JEFFERSON TX 13140 $453,100 $580,150 $701,250 $871,450
48 247 JIM HOGG TX $453,100 $580,150 $701,250 $871,450
48 249 JIM WELLS TX 10860 $453,100 $580,150 $701,250 $871,450
48 251 JOHNSON TX 19100 $453,100 $580,150 $701,250 $871,450
48 253 JONES TX 10180 $453,100 $580,150 $701,250 $871,450
48 255 KARNES TX $453,100 $580,150 $701,250 $871,450
48 257 KAUFMAN TX 19100 $453,100 $580,150 $701,250 $871,450
48 259 KENDALL TX 41700 $453,100 $580,150 $701,250 $871,450
48 261 KENEDY TX 28780 $453,100 $580,150 $701,250 $871,450
48 263 KENT TX $453,100 $580,150 $701,250 $871,450
48 265 KERR TX 28500 $453,100 $580,150 $701,250 $871,450
48 267 KIMBLE TX $453,100 $580,150 $701,250 $871,450
48 269 KING TX $453,100 $580,150 $701,250 $871,450
48 271 KINNEY TX $453,100 $580,150 $701,250 $871,450
48 273 KLEBERG TX 28780 $453,100 $580,150 $701,250 $871,450
48 275 KNOX TX $453,100 $580,150 $701,250 $871,450
48 277 LAMAR TX 37580 $453,100 $580,150 $701,250 $871,450
48 279 LAMB TX $453,100 $580,150 $701,250 $871,450
48 281 LAMPASAS TX 28660 $453,100 $580,150 $701,250 $871,450
48 283 LA SALLE TX $453,100 $580,150 $701,250 $871,450
48 285 LAVACA TX $453,100 $580,150 $701,250 $871,450
48 287 LEE TX $453,100 $580,150 $701,250 $871,450
48 289 LEON TX $453,100 $580,150 $701,250 $871,450
48 291 LIBERTY TX 26420 $453,100 $580,150 $701,250 $871,450
48 293 LIMESTONE TX $453,100 $580,150 $701,250 $871,450
48 295 LIPSCOMB TX $453,100 $580,150 $701,250 $871,450
48 297 LIVE OAK TX $453,100 $580,150 $701,250 $871,450
48 299 LLANO TX $453,100 $580,150 $701,250 $871,450
48 301 LOVING TX $453,100 $580,150 $701,250 $871,450
48 303 LUBBOCK TX 31180 $453,100 $580,150 $701,250 $871,450
48 305 LYNN TX 31180 $453,100 $580,150 $701,250 $871,450
48 307 MCCULLOCH TX $453,100 $580,150 $701,250 $871,450
48 309 MCLENNAN TX 47380 $453,100 $580,150 $701,250 $871,450
48 311 MCMULLEN TX $453,100 $580,150 $701,250 $871,450
48 313 MADISON TX $453,100 $580,150 $701,250 $871,450
48 315 MARION TX $453,100 $580,150 $701,250 $871,450
48 317 MARTIN TX 33260 $453,100 $580,150 $701,250 $871,450
48 319 MASON TX $453,100 $580,150 $701,250 $871,450
48 321 MATAGORDA TX 13060 $453,100 $580,150 $701,250 $871,450
48 323 MAVERICK TX 20580 $453,100 $580,150 $701,250 $871,450
48 325 MEDINA TX 41700 $453,100 $580,150 $701,250 $871,450
48 327 MENARD TX $453,100 $580,150 $701,250 $871,450
48 329 MIDLAND TX 33260 $453,100 $580,150 $701,250 $871,450
48 331 MILAM TX $453,100 $580,150 $701,250 $871,450
48 333 MILLS TX $453,100 $580,150 $701,250 $871,450
48 335 MITCHELL TX $453,100 $580,150 $701,250 $871,450
48 337 MONTAGUE TX $453,100 $580,150 $701,250 $871,450
48 339 MONTGOMERY TX 26420 $453,100 $580,150 $701,250 $871,450
48 341 MOORE TX 20300 $453,100 $580,150 $701,250 $871,450
48 343 MORRIS TX $453,100 $580,150 $701,250 $871,450
48 345 MOTLEY TX $453,100 $580,150 $701,250 $871,450
48 347 NACOGDOCHES TX 34860 $453,100 $580,150 $701,250 $871,450
48 349 NAVARRO TX 18620 $453,100 $580,150 $701,250 $871,450
48 351 NEWTON TX 13140 $453,100 $580,150 $701,250 $871,450
48 353 NOLAN TX 45020 $453,100 $580,150 $701,250 $871,450
48 355 NUECES TX 18580 $453,100 $580,150 $701,250 $871,450
48 357 OCHILTREE TX $453,100 $580,150 $701,250 $871,450
48 359 OLDHAM TX 11100 $453,100 $580,150 $701,250 $871,450
48 361 ORANGE TX 13140 $453,100 $580,150 $701,250 $871,450
48 363 PALO PINTO TX 33420 $453,100 $580,150 $701,250 $871,450
48 365 PANOLA TX $453,100 $580,150 $701,250 $871,450
48 367 PARKER TX 19100 $453,100 $580,150 $701,250 $871,450
48 369 PARMER TX $453,100 $580,150 $701,250 $871,450
48 371 PECOS TX $453,100 $580,150 $701,250 $871,450
48 373 POLK TX $453,100 $580,150 $701,250 $871,450
48 375 POTTER TX 11100 $453,100 $580,150 $701,250 $871,450
48 377 PRESIDIO TX $453,100 $580,150 $701,250 $871,450
48 379 RAINS TX $453,100 $580,150 $701,250 $871,450
48 381 RANDALL TX 11100 $453,100 $580,150 $701,250 $871,450
48 383 REAGAN TX $453,100 $580,150 $701,250 $871,450
48 385 REAL TX $453,100 $580,150 $701,250 $871,450
48 387 RED RIVER TX $453,100 $580,150 $701,250 $871,450
48 389 REEVES TX 37780 $453,100 $580,150 $701,250 $871,450
48 391 REFUGIO TX $453,100 $580,150 $701,250 $871,450
48 393 ROBERTS TX $453,100 $580,150 $701,250 $871,450
48 395 ROBERTSON TX 17780 $453,100 $580,150 $701,250 $871,450
48 397 ROCKWALL TX 19100 $453,100 $580,150 $701,250 $871,450
48 399 RUNNELS TX $453,100 $580,150 $701,250 $871,450
48 401 RUSK TX 30980 $453,100 $580,150 $701,250 $871,450
48 403 SABINE TX $453,100 $580,150 $701,250 $871,450
48 405 SAN AUGUSTINE TX $453,100 $580,150 $701,250 $871,450
48 407 SAN JACINTO TX $453,100 $580,150 $701,250 $871,450
48 409 SAN PATRICIO TX 18580 $453,100 $580,150 $701,250 $871,450
48 411 SAN SABA TX $453,100 $580,150 $701,250 $871,450
48 413 SCHLEICHER TX $453,100 $580,150 $701,250 $871,450
48 415 SCURRY TX 43660 $453,100 $580,150 $701,250 $871,450
48 417 SHACKELFORD TX $453,100 $580,150 $701,250 $871,450
48 419 SHELBY TX $453,100 $580,150 $701,250 $871,450
48 421 SHERMAN TX $453,100 $580,150 $701,250 $871,450
48 423 SMITH TX 46340 $453,100 $580,150 $701,250 $871,450
48 425 SOMERVELL TX 19100 $453,100 $580,150 $701,250 $871,450
48 427 STARR TX 40100 $453,100 $580,150 $701,250 $871,450
48 429 STEPHENS TX $453,100 $580,150 $701,250 $871,450
48 431 STERLING TX $453,100 $580,150 $701,250 $871,450
48 433 STONEWALL TX $453,100 $580,150 $701,250 $871,450
48 435 SUTTON TX $453,100 $580,150 $701,250 $871,450
48 437 SWISHER TX $453,100 $580,150 $701,250 $871,450
48 439 TARRANT TX 19100 $453,100 $580,150 $701,250 $871,450
48 441 TAYLOR TX 10180 $453,100 $580,150 $701,250 $871,450
48 443 TERRELL TX $453,100 $580,150 $701,250 $871,450
48 445 TERRY TX $453,100 $580,150 $701,250 $871,450
48 447 THROCKMORTON TX $453,100 $580,150 $701,250 $871,450
48 449 TITUS TX 34420 $453,100 $580,150 $701,250 $871,450
48 451 TOM GREEN TX 41660 $453,100 $580,150 $701,250 $871,450
48 453 TRAVIS TX 12420 $453,100 $580,150 $701,250 $871,450
48 455 TRINITY TX 26660 $453,100 $580,150 $701,250 $871,450
48 457 TYLER TX $453,100 $580,150 $701,250 $871,450
48 459 UPSHUR TX 30980 $453,100 $580,150 $701,250 $871,450
48 461 UPTON TX $453,100 $580,150 $701,250 $871,450
48 463 UVALDE TX 46620 $453,100 $580,150 $701,250 $871,450
48 465 VAL VERDE TX 19620 $453,100 $580,150 $701,250 $871,450
48 467 VAN ZANDT TX $453,100 $580,150 $701,250 $871,450
48 469 VICTORIA TX 47020 $453,100 $580,150 $701,250 $871,450
48 471 WALKER TX 26660 $453,100 $580,150 $701,250 $871,450
48 473 WALLER TX 26420 $453,100 $580,150 $701,250 $871,450
48 475 WARD TX $453,100 $580,150 $701,250 $871,450
48 477 WASHINGTON TX 14780 $453,100 $580,150 $701,250 $871,450
48 479 WEBB TX 29700 $453,100 $580,150 $701,250 $871,450
48 481 WHARTON TX 20900 $453,100 $580,150 $701,250 $871,450
48 483 WHEELER TX $453,100 $580,150 $701,250 $871,450
48 485 WICHITA TX 48660 $453,100 $580,150 $701,250 $871,450
48 487 WILBARGER TX 46900 $453,100 $580,150 $701,250 $871,450
48 489 WILLACY TX 39700 $453,100 $580,150 $701,250 $871,450
48 491 WILLIAMSON TX 12420 $453,100 $580,150 $701,250 $871,450
48 493 WILSON TX 41700 $453,100 $580,150 $701,250 $871,450
48 495 WINKLER TX $453,100 $580,150 $701,250 $871,450
48 497 WISE TX 19100 $453,100 $580,150 $701,250 $871,450
48 499 WOOD TX $453,100 $580,150 $701,250 $871,450
48 501 YOAKUM TX $453,100 $580,150 $701,250 $871,450
48 503 YOUNG TX $453,100 $580,150 $701,250 $871,450
48 505 ZAPATA TX 49820 $453,100 $580,150 $701,250 $871,450
48 507 ZAVALA TX $453,100 $580,150 $701,250 $871,450
VA Loans In Texas VA Loans In Texas