VA Loans
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dream of owning a home.
Exclusive advantages such as zero down payment
Low interest rates
No Private mortgage insurance
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Get a VA Loan with Zero Down & Lower Rates—Fast, Easy, and Hassle-Free!
Zero Down Payment: Buy a home with no down payment required, saving you thousands upfront.
Lower Interest Rates: VA loans offer some of the lowest rates available, reducing your monthly payment.
No Private Mortgage Insurance (PMI): Save hundreds per month compared to conventional loans.
Fast Pre-Approval: Get pre-approved quickly so you can start shopping for your dream home.
Easier Qualification: Flexible credit and income guidelines make approval simpler.
Low Closing Costs: We negotiate better terms to minimize out-of-pocket expenses.
888-549-1005
Call for a Free Mortgage Savings Report
No Credit Checks Required
Find Your Perfect Mortgage Match – Let’s Get Started!
Start with our Mortgage Approval Tool!
Start with our Mortgage Approval Tool!
Get a VA Loan with Zero Down & Lower Rates—Fast, Easy, and Hassle-Free!
Zero Down Payment: Buy a home with no down payment required, saving you thousands upfront.
Lower Interest Rates: VA loans offer some of the lowest rates available, reducing your monthly payment.
No Private Mortgage Insurance (PMI): Save hundreds per month compared to conventional loans.
Fast Pre-Approval: Get pre-approved quickly so you can start shopping for your dream home.
Easier Qualification: Flexible credit and income guidelines make approval simpler.
Low Closing Costs: We negotiate better terms to minimize out-of-pocket expenses.
Find Your Perfect Mortgage Match – Let’s Get Started!
🏡What Is an FHA Loan in Texas? | Requirements & Benefits
Affordable home financing designed to help more Texans buy a home.
An FHA loan in Texas is a government-insured mortgage designed to help homebuyers qualify with lower down payments and more flexible credit requirements. Backed by the Federal Housing Administration, FHA financing allows Texans to purchase homes sooner — even with moderate credit or limited savings.
In 2026, FHA loans continue to be one of the most popular mortgage options for:
First-time home buyers
Buyers relocating to Texas
Self-employed borrowers
Buyers with lower credit scores
Homeowners rebuilding credit
These programs make it possible for many Texans to purchase a home sooner with a smaller down payment.
Start with our Mortgage Approval Tool!
Home Purchase
Ready to buy? Get pre-approved in minutes and secure competitive rates tailored to your budget. Whether you’re a first-time buyer or upgrading, we’ll help you close faster.
Home Refinance
Slash your monthly payments or tap into your equity with flexible refinancing options. Rate-and-term, cash-out, or FHA streamline—we’ve got your best deal.
Home Equity
Need funds for renovations, debt consolidation, or emergencies? Access up to 90% of your home’s value with low rates and tax-deductible interest
Reverse
Age 62+? Keep ownership, stay in your home, and access tax-free cash. No monthly payments required—ever. FHA-insured and risk-free.
Our Service Commitment
No Hidden Fees: We believe in clear and upfront communication about all costs associated with your mortgage.
Tailored Solutions: Our advisors work closely with you to find mortgage solutions that are customized to your financial situation.
Get Expert Advice every time from a licensed loan officer with a suite of products to choose from.
Our team strives to deliver excellence. Contact us day or night with any mortgage questions—we’re here when you need us.
Working with us or just thinking of it, we will always be honest and transparent. No sales targets means way better service!
🏡What Is an VA Loan in Texas? | Requirements & Benefits
Affordable home financing designed to help more Texans buy a home.
A VA loan in Texas is a government-backed mortgage designed to help veterans, active-duty service members, and eligible surviving spouses purchase a home with fewer financial barriers. These loans are guaranteed by the U.S. Department of Veterans Affairs, making them one of the most affordable home financing options available.
For many Texas veterans, VA loans offer major advantages compared to traditional mortgages. Borrowers can often purchase a home with no down payment, enjoy competitive interest rates, and avoid the cost of private mortgage insurance (PMI).
In 2026, the Texas housing market continues to attract veterans relocating for work, military assignments, or retirement. Understanding how VA loans work can help you take full advantage of your earned benefits and become a homeowner faster.
VA Loan Requirements in Texas
Borrowers seeking a VA mortgage in Texas must meet several requirements established by lenders and the Department of Veterans Affairs.
The property must be used as a primary residence
Verifiable income and employment history
Acceptable debt-to-income ratio
Minimum credit score requirements set by lenders
VA appraisal confirming property value and safety standards
These guidelines help ensure borrowers can comfortably manage their mortgage payments.
Eligible Property Types
VA loans in Texas can be used to purchase several types of residential properties, including:
Single-family homes
Townhomes
VA-approved condominiums
Owner-occupied duplex, triplex, or four-unit properties
These property standards help ensure homes meet the safety and livability requirements set by the VA.
Your Trusted Texas Partner for VA Loan
Qualifying for a VA home loan in Texas involves verifying military eligibility and demonstrating financial stability.
Flexible approval guidelines • Lower down payment options
How to Qualify for a VA Loan in Texas
VA Loan Qualification Steps
Obtain a Certificate of Eligibility (COE)
Complete mortgage pre-approval with a VA lender
Provide income and employment documentation
Undergo credit and debt review
VA appraisal of the property
Underwriting approval
Final mortgage closing
VA Loan Interest Rates in Texas Today
VA mortgage interest rates in Texas vary depending on borrower qualifications and market conditions.
Factors Affecting VA Loan Rates
Credit score
Loan amount
Debt-to-income ratio
Property location
Current mortgage market conditions
Because VA loans are guaranteed by the federal government, lenders often offer lower interest rates compared to conventional mortgage programs.
VA Loan Limits Texas by County (2026)
VA loan limits may vary depending on entitlement status and county loan guidelines.
For many borrowers with full VA entitlement, traditional loan limits may not apply. However, lenders sometimes reference conforming loan limits when structuring financing.
Typical Loan Limit Reference
For 2026, the conforming loan limit for most counties is approximately:
$766,550 for single-family homes
Higher limits may apply for multi-unit properties or high-cost housing markets.
Borrowers should confirm applicable loan limits based on the Texas county where the property is located.
serving Houston, Texas, we take pride in helping homebuyers understand all their mortgage options to make well-informed decisions. Whether you’re purchasing your first home or refinancing an existing mortgage, you can count on our brokers to explain mortgage features and interest rates in simple terms and recommend products that align with your financial situation.
Our Service Commitment
Get Expert Advice every time from a licensed loan officer with a suite of products to choose from.
Our team strives to deliver excellence. Contact us day or night with any mortgage questions—we’re here when you need us.
Working with us or just thinking of it, we will always be honest and transparent. No sales targets means way better service!
No Hidden Fees: We believe in clear and upfront communication about all costs associated with your mortgage.
Tailored Solutions: Our advisors work closely with you to find mortgage solutions that are customized to your financial situation.
Available When & Where
You Want!
Across multiple states, our licensed loan officers will help you from application to funding and beyond.
We work on your schedule. With streamlined technology and dedicated support staffing, your mortgage request is always our priority!
Largest Lender Network in Florida, Georgia & Texas
Available When & Where You Want!
Across multiple states, our licensed loan officers will help you from application to funding and beyond.
We work on your schedule. With streamlined technology and dedicated support staffing, your mortgage request is always our priority!
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Book an Appointment
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Meet Our Team
Angle Ogbele
Natasha Staplowski
Darnell Smith
Arlan Zuberi
Meet Our Team
Angle Ogbele
Natasha Staplowski
Darnell Smith
Arlan Zuberi
What Are VA Loans?
VA loans are a type of mortgage loan available to U.S. veterans, service members, and surviving spouses who have not remarried. They are issued by private lenders—such as banks and mortgage companies—and are guaranteed by the U.S. Department of Veterans Affairs (VA). This government backing allows lenders to offer VA loans with favorable terms to borrowers who qualify.
How Does a VA Loan Works?
Loan Insurance: The FHA provides mortgage insurance to approved lenders, which protects the lender against losses if the homeowner defaults on the loan.
Borrower Requirements: To qualify for an FHA loan, borrowers need a minimum credit score and a down payment as low as 3.5% of the home's purchase price. The exact requirements can vary and are subject to change, so it's important for borrowers to check the current standards.
Approved Lenders: Borrowers must obtain their loan through an FHA-approved lender. These lenders have been vetted and approved by the FHA to issue loans that are insured by the federal government.
Mortgage Limits: The FHA sets limits on how much money can be borrowed, which vary by county and are adjusted annually.
Mortgage Insurance Premiums: Borrowers must pay an upfront mortgage insurance premium (UFMIP) at the time of closing, which is financed into the loan amount. Additionally, there is an annual mortgage insurance premium (MIP) that is paid monthly as part of the mortgage payment.
Property Appraisal: The FHA requires that the property being purchased meets certain safety, security, and soundness standards. An FHA-approved appraiser must inspect and appraise the property.
Loan Terms: FHA loans come with different term options, ranging from 15 to 30 years, and can be fixed or adjustable-rate mortgages (ARMs).
Closing the Loan: Once all the requirements are met, and the property is approved, the loan can close, and the borrower can proceed with the purchase of the home.
Occupancy: FHA loans generally require the borrower to occupy the property as their primary residence.
Overall, VA loans are designed to make homeownership more accessible to those who have served their country and to provide them with benefits that reflect their service.
Benefits of VA Loans
No Down Payment: VA loans often require no down payment, enabling you to purchase a home without years of saving.
No Private Mortgage Insurance (PMI): Unlike conventional and FHA loans, a VA loan doesn't require monthly PMI. This can lead to significant monthly savings for homeowners.
Limited Closing Costs: Legislation limits the closing costs lenders can charge to VA loan applicants. This helps reduce the amount of money veterans need to bring to closing.
Competitive Interest Rates: VA loans have lower interest rates than conventional loans, which reduces the long-term cost of borrowing.
No Prepayment Penalty: VA borrowers can pay off their home loan at any point without having to worry about a prepayment penalty.
VA Funding Fee: While there is no PMI, VA loans come with a VA funding fee, which can be financed with the loan. This fee helps to fund the VA home loan program and varies depending on several factors, such as the type of loan and whether it's the veteran's first VA loan.
Assumability: VA loans are assumable, which means they can be transferred to a subsequent buyer if that person is also VA-eligible. This can be a benefit in a high-interest rate environment or if you need to sell your home quickly.
Foreclosure Avoidance: The VA helps borrowers experiencing financial hardship prevent foreclosure.
Variety of Eligible Property Types: VA loans can be used to purchase a variety of property types, including single-family homes, condos, new construction, manufactured homes, and multi-unit properties.
Reusable Benefit: Your VA entitlement is reusable. This means that if you pay off your first VA loan, you can use the benefit again for another VA loan.
Features of VA Loans
No Down Payment: VA loans often require no down payment, enabling you to buy a home without years of saving.
No Private Mortgage Insurance (PMI): Unlike conventional and FHA loans, a VA loan doesn't require monthly PMI. This can lead to significant monthly savings for homeowners.
Limited Closing Costs: Legislation limits the closing costs lenders can charge to VA loan applicants. This helps reduce the amount of money veterans need to bring to closing.
Competitive Interest Rates: VA loans have lower interest rates than conventional loans, which reduces the long-term cost of borrowing.
No Prepayment Penalty: VA borrowers can pay off their home loan at any point without having to worry about a prepayment penalty.
VA Funding Fee: While there is no PMI, VA loans come with a VA funding fee, which can be financed with the loan. This fee helps to fund the VA home loan program and varies depending on several factors, such as the type of loan and whether it's the veteran's first VA loan.
Assumability: VA loans are assumable, which means they can be transferred to a subsequent buyer if that person is also VA-eligible. This can be a benefit in a high-interest rate environment or if you need to sell your home quickly.
Foreclosure Avoidance: The VA helps borrowers experiencing financial hardship prevent foreclosure.
Variety of Eligible Property Types: VA loans can be used to purchase a variety of property types, including single-family homes, condos, new construction, manufactured homes, and multi-unit properties.
Reusable Benefit: Your VA entitlement is reusable. This means that if you pay off your first VA loan, you can use the benefit again for another VA loan.
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RateShop Mortgage LLC is a licensed mortgage broker in FL and TX.
In accordance with federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, or age (provided you have the capacity to enter into a binding contract), nor do we discriminate because any part of your income is derived from public assistance programs, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal Trade Commission, Equal Credit Opportunity Division, Washington, DC 20580, is the federal agency responsible for administering these laws.
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TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
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