VA Loans

VA Home Loans for Texas Veterans

If you’ve served, the VA loan is usually the strongest financing tool available: zero down payment, no monthly mortgage insurance, and competitive rates. Central Texas has one of the largest veteran communities in the country, and we’re proud to help veterans put this benefit to work.

No Loan Limits with Full Entitlement

Since 2020, veterans with full entitlement face no VA loan limit — you can finance above the $832,750 conforming limit with no down payment if you qualify on income and credit. Partial entitlement (an active prior VA loan) uses county limits.

The Funding Fee

Instead of mortgage insurance, VA loans carry a one-time funding fee: 2.15% for first use with less than 5% down, dropping to 1.25% with 10%+ down; subsequent use with minimal down is 3.3%. The fee can be financed into the loan, and veterans receiving VA disability compensation are exempt entirely. New for 2026: the funding fee is tax-deductible for those who itemize.

Why Use a Broker for Your VA Loan?

VA pricing varies significantly between lenders. We shop your loan across multiple VA wholesale lenders and handle the certificate of eligibility, appraisal coordination, and underwriting quirks that trip up inexperienced loan officers.

VA Loan FAQs

Do VA loans really require no down payment?

Yes. With full entitlement there is no down payment and no loan limit — you can finance above the $832,750 conforming limit if income and credit support it.

What is the VA funding fee, and can I avoid it?

It is a one-time fee: 2.15% on first use with less than 5% down, 1.25% with 10% or more down, 3.3% on subsequent use. It can be financed into the loan, veterans receiving VA disability compensation are exempt entirely, and new for 2026 it is tax-deductible for those who itemize.

Can I use my VA benefit more than once?

Yes. Entitlement restores when you sell and pay off the loan, and partial entitlement (keeping an existing VA loan) still works using county loan limits.

Is a VA loan better than conventional?

For most eligible veterans, yes — zero down and no monthly mortgage insurance are hard to beat. With 20%+ down it is worth comparing both, and we show you each side by side.

Related programs: Conventional Loans · FHA Loans · Refinance

You earned this benefit. Let’s put it to work.

VA pricing varies widely between lenders — we shop multiple VA wholesale lenders and handle the paperwork.

Start Your Application Questions? Contact Don directly

360 Lending Group, LLC — NMLS 266484. This information is for general education and is not a commitment to lend or a rate quote. Loan programs, limits, and terms are subject to change and to borrower qualification. Figures cited are 2026 limits and may differ by county and property type.