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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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Refinance

There are many options for refinancing your mortgage, and many reasons. Perhaps you are looking to pull cash out to pay off debts. Maybe you want to lower your rate and payment. Katy VA Refinance Loans are an excellent choice for any of your refinance needs.

There are two types of Katy VA Refinance Loans. There is the traditional refinance option, which is a conversion from a non-VA loan to a VA loan, and then there is the VA-to-VA streamline refinance, or VA Interest Rate Reduction Refinance Loan (IRRRL).

The traditional refinance will enable you to either refinance your existing loan balance, or pull cash out, up to 100% of the value of your home. Lenders will require an appraisal on this type of loan, which is ordered through the VA.

In addition, there are minimum standards for qualifying for this type of loan. For one, you must have a credit score of 620 or higher. If you are above 640 you will be able to secure a much better Katy VA Mortgage Rate. If you have had a bankruptcy, you must wait for 2 years after the discharge of the bankruptcy before you can qualify for Katy VA Refinance Loans. In addition, you must be employed, and have acceptable “debt-to-income” ratios, or the ratio of your total monthly debts compared to your total gross income (before taxes).

Katy VA Refinance Loans will carry a full VA funding fee, which can be as high as 3.3% of your loan amount (ie, if your new loan is $100,000, the fee would be $3300), but if you borrow less than 95% of your appraised value, the fee is much lower. It will also be lower if this is your first use of your Katy VA Loan benefits. The VA funding fee is typically “financed” into the new loan, meaning you don’t have to come up with the money at closing.

The VA-to-VA streamline refinance, or VA IRRRL loan, is the other choice, and is an incredible option. You can’t pull out extra cash on the VA IRRRL, but you can lower your rate and payment significantly, many times without any closing costs. The VA funding fee is only .5% on a VA IRRRL, making this an extremely affordable option.

To explore your options, give us a call. We will give you straight answers and honest advice. If a Katy VA Refinance doesn’t make sense, we will tell you that. Your long term business is more important to us than trying to “sell” you on a loan program. Your service means the world to us, and we would be honored to serve

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