Get Pre-Approved for a VA Home Loan Today

Buy a home with competitive VA mortgage rates, low down payment options, and guidance from VA loan specialists. Use your VA home loan benefit to buy with confidence.

Top Lender For VA Home Loans

New American Funding

Top Rated VA Home Loan Lender

VA Purchase Loans for Eligible Veterans
$0 Down Payment Options Available
Competitive VA Rates (15 & 30-Year Options)
VA IRRRL (Streamline Refinance)
VA Cash-Out Refinance

(877) 586-8033

Top Lender For VA Home Loans

New American Funding

Top Rated VA Home Loan Lender

VA Purchase Loans for Eligible Veterans
$0 Down Payment Options Available
Competitive VA Rates (15 & 30-Year Options)
VA IRRRL (Streamline Refinance)
VA Cash-Out Refinance

(877) 586-8033

See If You Qualify for a VA Home Loan

Instant Check - No Credit Score Impact!

Check in minutes if you may qualify for an affordable VA home loan
No obligation and no impact on your credit score
View personalized VA purchase loan options based on your eligibility, credit, and home buying goals

See If You Qualify for a VA Home Loan

Instant Check - No Credit Score Impact!

Check in minutes if you may qualify for an affordable VA home loan
No obligation and no impact on your credit score
View personalized VA purchase loan options based on your eligibility, credit, and home buying goals

Frequently Asked Questions...

1. What is a VA home loan?

A VA home loan is a mortgage program backed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, and certain surviving spouses. VA loans can offer benefits like no down payment requirements, competitive interest rates, and flexible qualification guidelines.

2. Who is eligible for a VA home loan?

Eligibility typically depends on military service history, duty status, and length of service. Veterans, active-duty military members, National Guard members, reservists, and some surviving spouses may qualify. A lender can help verify your eligibility and obtain your Certificate of Eligibility (COE).

3. Do VA loans require a down payment?

Many eligible borrowers can purchase a home with no down payment using a VA loan. However, some buyers may still choose to put money down to reduce their monthly payment or overall loan amount.

4. What credit score is needed for a VA loan?

The VA does not set a minimum credit score requirement, but individual lenders may have their own guidelines. Many lenders look at your overall financial profile, including credit history, income, debt, and employment stability.

5. Can I use a VA loan more than once?

Yes. Eligible borrowers may be able to use their VA loan benefit multiple times, depending on available entitlement and lender requirements. In some cases, veterans can even have more than one VA loan at the same time.

6. What types of homes can be purchased with a VA loan?

VA loans are generally used for primary residences, including single-family homes, certain condos, manufactured homes, and multi-unit properties where the borrower occupies one of the units.

7. Are mortgage insurance payments required with a VA loan?

VA loans typically do not require monthly private mortgage insurance (PMI), which can help reduce monthly housing costs compared to some other loan types with low down payments.

8. What closing costs are associated with a VA loan?

VA loans may include closing costs such as lender fees, appraisal fees, title charges, prepaid taxes, and insurance. In some situations, sellers may contribute toward certain closing costs, subject to loan guidelines and negotiation terms.

9. How long does the VA loan process take?

The timeline can vary depending on the borrower, property, and documentation needed. Many VA purchase loans close within a similar timeframe as conventional mortgages when all required documents are provided promptly.

10. Is getting pre-approved for a VA loan important?

Yes. Getting pre-approved can help you understand your estimated budget, monthly payment, and financing options before shopping for a home. It can also strengthen your offer when competing for a property.

Which areas do you serve?

We proudly serve homeowners throughout Texas, including many of the state’s most popular cities and counties.

Cities we commonly work in include: Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Lubbock

Counties we serve include: Harris, Dallas, Tarrant, Bexar, Travis, Collin, Denton, Fort Bend, Hidalgo, El Paso

New American Funding is not affiliated with or endorsed by any government agency. This website is for informational purposes only. This is not a commitment to lend or extend credit. Information and/or rates are subject to change without notice. All loans are subject to credit approval.

Terms & Conditions