VA Loans in North Texas: Zero Down for Those Who Served

The short answer

A VA loan is one of the strongest benefits earned through military service. Eligible veterans, service members and some surviving spouses can often buy with no down payment and no monthly mortgage insurance.

What makes it different

• No down payment required in many cases, up to your available entitlement.
• No monthly mortgage insurance. Most VA loans carry a one-time funding fee instead, and some veterans are exempt.
• Flexible guidelines on credit and debt compared with many other loans.
• Reusable. You can use the benefit more than once under the right conditions.

What you need

A Certificate of Eligibility (COE), enough income to support the payment, acceptable credit, and a primary residence that meets VA property standards. We can help request your COE.

Frequently asked questions

Can I use a VA loan on a home in Frisco or Plano?

Yes. VA loans work anywhere in Texas as long as the home is your primary residence and meets VA requirements.

Does the seller have to pay anything?

Not necessarily. Some costs are limited for VA borrowers, and sellers can often help with others. We will walk you through it.

Thank you for your service. Call (469) 414-5554 to talk through your benefit.

By Kelly Welton, Mortgage Broker (NMLS #314183), Mohave Mortgage Texas Branch. Mohave Mortgage NMLS #1830581 · Texas Branch NMLS #2690682 · Equal Housing Opportunity. General information only, not a commitment to lend or financial advice. Programs, rates and guidelines vary and change.