VA Mortgage Broker for Texas Homebuyers — Zero Down, No Fees

The VA doesn’t set a minimum credit score requirement. Most lenders look for at least a 620 FICO score, but LendFriend evaluates your entire financial picture — not just your credit score. Many Veterans qualify with lower scores because VA loans allow more flexible credit histories. For a deeper breakdown of VA vs conventional credit standards, read our guide.

The VA Funding Fee is a one-time cost required on VA loans unless you have a VA disability rating, meet Purple Heart eligibility, or qualify for another exemption. The fee amount depends on your down payment, service type, and whether this is first-time or subsequent use of your VA entitlement.

For most purchase loans, it’s 2.15% for first-time use and 3.30% for subsequent use with less than 5% down, and lower if you put 5% or more down. For VA Streamline Refinances (IRRRLs), it’s just 0.5%.

Veterans with a VA disability rating, Purple Heart recipients, and certain surviving spouses are exempt from paying the funding fee. If your disability claim is approved after closing but effective before your closing date, you may be eligible for a refund.

Yes. You can use your VA loan benefit multiple times, and you may even have more than one VA loan at the same time if your remaining entitlement supports the new purchase. Entitlement restoration is available after selling or paying off the prior VA loan.

Yes. A spouse can be a full co-borrower on a VA loan, and their income can strengthen your VA income requirements, improve DTI, and help you qualify for more home. If your spouse is also a Veteran, you may be able to combine entitlements.

Yes — as long as the new property meets VA occupancy requirements. You must intend to occupy the home as your primary residence; after that, you can convert prior homes into rentals and still use your VA entitlement again.

VA disability income is non-taxable, which boosts your effective income, improves DTI, and strengthens your residual income under VA loan requirements. Any VA disability rating also exempts you from the VA Funding Fee — a major cost saver.

Yes — with full entitlement, there is no loan limit on VA financing. Texas buyers in cities like Austin, Frisco, or certain parts of Fort Worth frequently use VA jumbo loan options to purchase high-value homes with $0 down and competitive rates. VA jumbo loans are one of the biggest competitive advantages over conventional financing.

BAH counts as income and can significantly boost your buying power. For many active-duty service members, BAH is one of the most powerful advantages when using VA loans in Texas, especially in high-demand markets like San Antonio, Killeen, Austin, or Fort Worth. Because BAH is non-taxable, it improves your DTI and expands your purchase options.

Most VA loans close in 21–30 days. At LendFriend, many close faster because we structure your file correctly upfront — verifying your COE, addressing credit issues early, and preparing your income documentation so underwriting moves quickly. Homes in Texas generally do not require extra appraisal time unless they are rural or unique properties.

The core VA guidelines are the same nationwide, but Texas has some regional nuances — such as rural appraisal expectations, certain well/septic requirements, and unique property types near military communities. We handle these early in the process so you avoid delays.