Financing
VA Home Loans for Hays County Veterans & Service Members
VA home loans are guaranteed by the U.S. Department of Veterans Affairs and are one of the most valuable benefits available to eligible veterans, active-duty service members and certain surviving spouses.
Rates, payments and program details live on Dustin's lending site, where he can give you exact numbers for your situation.
VA loan details at Mortgage Loans Co.How VA loans work
- Guaranteed by the U.S. Department of Veterans Affairs
- No private mortgage insurance
- Eligibility is shown by a Certificate of Eligibility (COE); a lender can request it for you
- A VA funding fee applies to most borrowers; some, including many veterans receiving VA disability compensation, are exempt
- The home must be your primary residence and meet VA property requirements
Making a strong VA offer
Sellers sometimes have outdated ideas about VA loans. We present VA offers clearly and keep the appraisal and repair requirements on schedule, so your offer competes well.
This page is general information, not a loan offer or commitment to lend. Loan programs, eligibility and costs vary and change; all loans are subject to credit approval. Talk with a licensed loan officer about your situation. Dustin Allan, NMLS #2044646, Mortgage Loans Co.
Frequently asked questions
›Who is eligible for a VA loan?
Eligible veterans, active-duty service members, and some National Guard and Reserve members and surviving spouses, based on service requirements. A lender can pull your Certificate of Eligibility.
›Can I use my VA benefit more than once?
Yes. VA loan benefits can often be used more than once, and entitlement can be restored after a VA loan is paid off. A loan officer can review your entitlement.
›Does a VA loan have mortgage insurance?
VA loans don't require private mortgage insurance. Most borrowers pay a one-time VA funding fee unless exempt.