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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 (832) 887-1300.

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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Employment Requirements

In order to qualify for a Katy VA Loan, you must be employed. Generally, the lender will want to see a 2 year history of employment. The exception is the Katy VA IRRRL loan for which you only need to becurrently employed (don’t need a full 2 years).

If you have had a gap in employment over the past 2 years, you may be required to provide a signed “letter of explanation” for the gap. As long as you were employed in the same line of work prior to the gap, you will be fine for qualifying purposes.

For a Katy VA Loan, the lender typically will want to see that you have also been in the same line of work for 2 years as this will demonstrate stability and consistency of income. This is especially true of any variable income sources such as commissions, bonuses, or self-employed income. For “fixed” income sources such as if you are on salary, or hourly with a guaranteed 40 hour minimum per week, lenders will sometimes allow for only a 1 year history as long as you have an overall 2 year work history.

Recently discharged Vets can also get around the 2 year requirement, especially if they are working in a job which they either did in the military, or were trained for in the military. With less than 1 year history, the Vet will be required to get a signed letter from their employer explaining their employment situation and stability.

One other exception to the 2 year requirement for a Katy VA Loan is a parent returning to the work force after caring for their children. Exceptions can be made in this case to allow for their income to be used for qualifying, but if they are in a variable income job such as commissions or self-employment, it will be very difficult to qualify, unless they were employed in the same line of work prior to caring for their children.

Employment history and situations are unique to every borrower. We would be honored to help answer your questions about a Katy VA Loan, and don’t believe in “sales tactics,” just the honest advice and service you deserve.

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