VA Loans (Veterans Administration Loans) in Texas

A Texas VA loan can be used to refinance, this is called a VA Streamline refinance. A Texas VA loan can also be used to purchase homes.

No out of pocket expense.

The Veterans Administration (VA) has permitted streamline refinances on insured mortgages since the early 1980’s. Streamline refers only to the amount of documentation and underwriting that needs to be performed by the lender. The basic requirements of a streamline refinance are:

  • The mortgage to be refinanced must already be FHA/VA insured
  • The mortgage to be refinanced should be current .
  • The refinance is to result in a lowering of the borrower’s monthly principal and interest payments.
  • Under the HUD program known as VA Streamline Refinance, when mortgage rates drop, you are entitled to reduce your current interest rate at reduced costs.
  • Thera are no application fees through this program. In some cases, we can even pay your closing costs. The application does not require an income check, appraisal or survey.

To take advantage of this program you must request the rate reduction while rates are down. Act now, rates have not been lower in over 40 years.

For more information on VA loans, please click here to contact Texas Mortgage Center.

Five Easy Steps to a VA Loan
  1. Apply for a Certificate of Eligibility.

    A veteran who doesn’t have a certificate can obtain one easily by filling out the short form below, and we will help you with the certificate.

  2. Decide on a home and sign a purchase agreement.
  3. Order an appraisal from VA. (Usually this is done by the lender.)

    Contact Texas Mortgage Center for details.

  4. When you receive your application from Texas Mortgage Center, complete the forms and mail them back. If you have any questions, contact us for help.
  5. Close the loan and the move in.
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