VA Loans

A VA loan can work for a Texas property with an accessory dwelling unit, but the word “ADU” does not by itself determine whether the home is eligible. The lender and VA appraiser must evaluate[...]

A VA loan termite inspection in Texas is more accurately called a wood-destroying insect, or WDI, inspection, and Texas is one of the states where VA requires WDI information for applicable VA-financed properties statewide. The[...]

Bankruptcy does not permanently eliminate your VA home loan benefit, but the path back to mortgage approval depends on the chapter filed, the date of discharge, your payment history after the case, and whether the[...]

VA loan employment requirements in Texas are designed to answer one core question: is the income being used for the mortgage verifiable, stable, reliable, and likely to continue? The VA generally asks lenders to verify[...]

An eligible surviving spouse can use the VA home loan benefit to buy or refinance a primary residence in Texas, but eligibility is based on federal VA rules rather than Texas residency alone. The most[...]

VA loans limit which closing costs an eligible Texas Veteran, service member, or qualifying surviving spouse can be required to pay, but the rules are more precise than a simple list of ‘allowed’ and ‘prohibited’[...]

The U.S. Department of Veterans Affairs does not set a universal minimum credit score for VA-backed home loans, but private lenders are allowed to establish their own credit standards. For Texas borrowers, that distinction matters[...]

VA loans limit what an eligible Veteran, service member, or qualifying surviving spouse can be required to pay at closing, but the rules are more nuanced than a simple list of ‘allowed’ and ‘prohibited’ fees.[...]