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We specialize in serving active duty and veteran military personnel across the state of Katy. That’s our focus and our passion, so we understand vets and your unique needs when obtaining a Katy VA Loan. There is nothing that is more satisfying to us then giving back to Veterans by helping you realize the dream of home ownership.

Obtaining a Katy VA Loan doesn’t have to be complicated or confusing, and that’s why we’re here, to help guide you through the process and work toward a smooth and on-time closing. You can find many resources on this website, or simply give us a call, we would be honored to speak with you and answer your questions!

Katy VA Loan Rates

Because of our focus on helping Veterans, we have access to two unique programs to help you save money on your home loan. The first program is called Homes for Heroes, which will enable you to save at least $500 off your closing costs. In addition, we can connect you with a Homes for Heroes real estate agent for even more savings.

Most Veterans can save even more through the Katy Home Buyer Tax Credit. The tax credit is a dollar-for-dollar reduction of your tax liability each year for the life of your VA mortgage. The average savings, as a monthly average, is over $100/month off your mortgage interest! Most lenders don’t have access to this program, and we are proud to be able to offer this to our Veteran home buyers.

The Katy VA Loan remains one of the best loan programs available, if not THE best. With 100% financing still available (no down payment), and no monthly mortgage insurance, you will obtain the lowest possible payment available. What will your payment be? Just fill out the quick quote form on the right side of this page for a fast, no obligation rate quote.

Katy VA Home Purchase Loans

Whether you are trying to lower your rate and payment or you would like to pull cash out to pay off other bills, a Katy VA Refinance Loan can help! VA allows you to borrow up to 100% of your home’s value on a refinance. This is unprecedented in the mortgage industry. Most other programs limit you to 85% or 90% of your home value when pulling cash out, and penalize you through a higher rate if you borrow more than 80% of the value. Not so with VA loans.

If you have an existing Katy VA Loan, you can quickly and easily roll it over into a new VA loan with a lower rate and payment with the Katy VA IRRRL Refinance program. With low or no fees, this is the best program going for Veterans to lower their rate and payment. Simply fill out the no obligation rate quote form on the right side of this page and we will get you a fast estimate, or we are always available to serve you in the office at (281) 712-6410.

There are many resources on this website to help you understand how to qualify for your VA loan. One of the first steps is to obtain your Certificate of Eligibility. We will also help you understand income and employment standards, as well as what kind of credit history and rating you will need in order to qualify.

We would be honored to help you….you have earned the right to use your Katy VA Loan benefits…please give us the chance to help you!

A Few Areas We Serve:

Houston VA Loan | Katy Vet Loans | Cypress Veteran Loans

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About Richard Smith

My customer service philosophy is pretty simple — Provide superior customer service in all aspects of what I do and help you by presenting you with education and tools to allow your home-buying experience to be as pain free and cost saving as possible.

I am a big fan of great customer service. Most people say I tip too much at a restaurant. But I appreciate great service, and it seems lately that great service is hard to come by. I will go out of my way to shop at places that provide great service. Why? Because there’s too much in life to worry about without having to deal with lousy service.

I understand that buying or selling a home is one of the most stressful things you’ll go through in life. I understand that no matter how many times you’ve bought or sold real estate that every time is different. I understand the obstacles that can pop up in real estate transactions–and understand how to prevent those obstacles from occurring and how to deal with them when they do raise their ugly heads.
I also understand that you have about half a million banks you can pick from. Most are very good at what they do. I know that if you chose me to help you that you will walk away delighted with the service you receive and, the money you save. The testimonials, repeat business and referrals to friends and family we receive from our clients prove that.

Contrary to popular belief, I don’t finance houses. I am in a service industry and my job is to provide you with superior service. Period. I despise being “hard sold” and harassed, so I certainly won’t do that to you. If you come to my web site or call and request some help, I help you. I don’t then harass you for your business. I am  successful at what I do and I don’t need to hound you for business. When you are ready to buy real estate, I am here for you. If all you want to do is look around, if all you need is an answer to a question, then by all means, look around, ask questions!

If you want to work with a mortgage banker that will listen to your needs, wants and desires and if you want to work with a banker that understands the market and the trials and tribulations of real estate transactions then I would love to have the opportunity to help you.

I'm a proud Lender Affiliate of the Homes for Heroes Program which provides extraordinary savings to local heroes who provide extraordinary services to our community every day.

I'm also a proud member of the National Association of Hispanic Real Estate Professionals.


Warmest Regards,

Richard Smith

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