Texas Mortgage Lending, powered by CUTX

Texas VA Home Mortgage Loans

Explore U.S. Department of Veterans Affairs home loan options in Texas with features that may make buying a home more affordable, including a 0% down payment option, no monthly mortgage insurance payments, and guidance from a Texas-based mortgage team.

VA home loans may be a good fit for eligible active-duty military members, veterans, reservists, and some military spouses who want a clearer path to homeownership in Texas.

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Texas VA Home Loan Features and Eligibility Notes

Texas VA home loans can offer meaningful advantages for eligible borrowers, including a 0% down payment option, no monthly mortgage insurance payments, and loan terms up to 30 years¹, including fixed- and adjustable-rate options. Review the details below for the main program features shown on the current VA mortgage page.

When a Texas VA Home Loan May Be a Strong Fit

A Texas Mortgage Lending VA home loan may make sense for eligible borrowers who want to lower upfront barriers to buying a home while working with a local mortgage team rather than a one-size-fits-all mortgage experience.

Buying a home without a large down payment
A VA loan may be worth exploring if the 0% down payment option is important to your homebuying plan.
Trying to keep monthly housing costs more manageable
No monthly mortgage insurance payments may be appealing for borrowers comparing overall monthly obligations.
Wanting options in how the loan is structured
Fixed-rate and adjustable-rate choices, along with terms up to 30 years, can give eligible borrowers flexibility.
Thinking about long-term resale considerations
Because VA loans may be assumable, an eligible future buyer may be able to take over the loan’s existing terms, which could be a meaningful advantage when it’s time to sell.
Preferring support from a Texas-based mortgage team
Planning your VA loan structure with Texas Mortgage Lending means working with local experts who understand the Texas housing market.

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0% Down Payment Option

Eligible VA borrowers may be able to buy a home with no down payment, which can reduce the cash needed upfront.

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No Monthly Mortgage Insurance Payments

VA home loans have no monthly mortgage insurance payments, which may help lower monthly housing costs.

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Fixed and Adjustable Options Up to 30 Years

Texas VA loan options include fixed-rate and adjustable-rate structures, with a variety of loan lengths available up to 30 years.

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Built for Eligible Military and Veteran Borrowers

Active duty military members, veterans, reservists, and some military spouses may qualify. Find out if you're eligible.

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Texas-Based Guidance on a Government-Backed Loan

Even with a government-backed mortgage, you can still work with local Texas mortgage professionals for personalized support.

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Assumable Terms May Matter Later

VA loans may be assumable, which means eligible buyers may be able to take over the loan terms when the home is sold.

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NMLS #576560 Credit Union of Texas provides mortgage loans through its affiliate Texas Mortgage Lending, LLC, NMLS #1641703. CUTX home loan programs are only available in Texas. Loans are subject to credit approval, CUTX’s lending policies, and property approval. Traditional closing costs apply. Additional terms and conditions may apply. Prequalification is not a commitment to lend. Membership required.

¹ A typical 30-year VA $300,000 loan with a fixed rate of 6.25% (6.548% APR) would have 360 monthly principal and interest payments of $1,886.87. APR means Annual Percentage Rate. These payment examples are for illustrative purposes only and does not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. Rates and terms are subject to change without notice. The rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and CUTX's lending policies.

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