We specialize in serving active duty and veteran military personnel across the state of Houston. That’s our focus and our passion, so we understand vets and your unique needs when obtaining a Houston 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 Houston 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!

Houston 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 Houston 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 Houston 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.

Houston 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 Houston 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 Houston VA Loan, you can quickly and easily roll it over into a new VA loan with a lower rate and payment with the Houston 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 Houston VA Loan benefits…please give us the chance to help you!

Richard Smith is a Residential Mortgage Loan Originator, NMLS #220593 Phone: (281) 712-6410 24634 Kingsland Blvd., Katy, Texas 77494 Powered by SMP Mortgage, Inc. NMLS #130562 Phone: (734) 259-0880 1200 S. Sheldon Rd. Plymouth, MI 48170. Equal Housing Lender www.nmlsconsumeraccess.org bit.ly/txrecoveryfund "Information subject to change without notice. This is not an offer for extension of credit or a commitment to lend."

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