VA Loans in Texas
- PBT Bancorp NMLS #257781
- FDIC member bank
- Licensed in all 50 states
Speak with a VA loan specialist about your loan options.
Send your name, email, and phone. A VA loan specialist will call you back and point you in the right direction. No credit pull.
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Prefer not to wait? Call 800-697-4371 or text us at (800) 697-4371.
Why do VA loans work well for Texas military buyers?
Texas has major military communities around Fort Cavazos, Fort Bliss, and Joint Base San Antonio, along with installations in Corpus Christi, Wichita Falls, Abilene, San Angelo, and Fort Worth. VA financing gives eligible buyers in those markets and the larger Texas metros a path to purchase a primary residence with $0 down and no monthly mortgage insurance. The final approval still depends on credit, income, debts, entitlement, and the property.
What can the VA benefit change for a Texas purchase?
For an eligible buyer, a VA loan can reduce the cash needed at closing and remove monthly mortgage insurance. Those two benefits can make a meaningful difference in a Texas purchase.
Who can use a VA loan in Texas?
Veterans, active-duty service members, qualifying Guard and Reserve members, and certain surviving spouses can use the VA loan benefit. Service requirements depend on when and how long you served. We pull your Certificate of Eligibility (COE) and review income, assets, credit, monthly debts, entitlement, and the property so you know which purchase options fit.
How can Texas Veteran exemptions change the payment?
Texas has no state income tax, so property taxes carry more weight in the monthly housing payment. A Veteran with a 100% service-connected disability rating, or individual unemployability, can receive a full residence-homestead exemption. Ratings from 10% through 90% receive tiered exemptions, and the standard homestead exemption can reduce the taxable value for other owner-occupants. We work from the exemption approved by the county appraisal district when calculating the payment.
Where do we make VA loans in Texas?
We help Veterans and military families buy and refinance from the Gulf Coast to the Panhandle and the border. Call 800-697-4371 when you want to compare the numbers for a specific Texas property.
Military City USA, home to Joint Base San Antonio across Lackland, Randolph, and Fort Sam Houston.
Built around Fort Cavazos, one of the largest Army installations in the world.
Fort Bliss spreads across the region and drives a steady military housing market.
The big metros bring strong demand, with NAS JRB Fort Worth and Ellington Field in the mix.
What happens after you apply for a Texas VA loan?
The application takes about 15 minutes by phone or online, and the initial review uses a soft credit pull instead of a hard inquiry.
We send the disclosures, pull the Certificate of Eligibility (COE), complete the full credit review, and collect the documents needed for underwriting.
Our team verifies income and assets and orders the VA appraisal while we work through any property items the appraiser raises.
Most of our Texas VA loans close in about 2 to 3 weeks after the full application and documents are complete. Appraisal, title, insurance, property issues, and how quickly we receive any remaining items can still affect the date.
What could the Texas VA loan payment look like?
Use the calculator below to estimate a Texas VA loan payment. Pick the closest scenario, then we will confirm the exact numbers for your county and proposed mortgage.
Build the offer around the Texas property
How much cash and monthly payment would this purchase require?
The offer should be based on the Texas property, complete payment, and cash needed. We can prepare that estimate and compare another bank or wholesale option when it may help.
How do the Texas VA refinance options compare?
The Texas VA Interest Rate Reduction Refinance Loan (IRRRL), often called a streamline refinance, can lower the rate and payment on an existing VA mortgage without an appraisal or standard income and asset verification. Our option has no minimum credit score when the mortgage history, seasoning, financial benefit, and cost recovery qualify. If you need cash from your equity, we can also compare a VA cash-out refinance under the Texas home-equity rules.
How would a new rate or cash-out amount change the loan?
Estimate a streamline refinance or cash-out refinance below, then we will confirm the loan amount, payment, and closing costs.
What will we handle for your Texas VA loan?
Before you commit to the mortgage, we pull the COE, review the full application, compare qualifying loan options, and explain the payment and cash needed.
VA Loan Resources
VA Purchase Loans | VA IRRRL Streamline Refinance | VA Refinance | VA High-Balance Loans | VA Loans by State
Ready to start your Texas VA loan?
Tell us whether you are buying or refinancing and where the Texas property is located. We will pull the COE, compare qualifying options from more than 35 wholesale lenders, and explain the payment and cash needed to close. Call 800-697-4371 or start the application online.
The next guide depends on whether you are refinancing, building, or financing above the county limit
Texas purchase and related VA choices
These PBT pages cover the national VA purchase rules, Texas IRRRLs, one-time close construction, funding fees, and high-balance financing.
Purchase program
Complete VA home loan guide
See how entitlement, mortgage approval, appraisal, and closing work.
Open the guide
Texas refinance
Texas VA IRRRL
An existing Texas VA mortgage can be placed beside a streamline option using the same balance and term assumptions.
Open the guide
Build in Texas
Texas VA construction financing
Our construction guide starts with the mortgage application. If the application supports the requested loan amount and payment, we move to the land, builder, plans, and budget review.
Open the guide
VA fee
Funding fee chart
Find the current fee percentages and exemption categories.
Open the guide
Larger loan
VA high-balance loans
See how full or remaining entitlement affects a Texas loan above the county conforming limit.
Open the guide
FAQs
Which Texas bases and metros do you serve?
We work with Veterans and active-duty families throughout Texas, including the communities around Fort Cavazos, Joint Base San Antonio, Fort Bliss, NAS Corpus Christi, Sheppard Air Force Base, and Dyess Air Force Base. We also cover Houston, Dallas-Fort Worth, and Austin, and the federal VA benefit works the same in all 254 counties.
What property tax breaks do Texas Veterans get?
Texas has no state income tax, making the Veteran property-tax exemptions especially valuable. A 100% service-connected disability rating can qualify for a full residence-homestead exemption that can continue for an eligible surviving spouse. Ratings from 10% through 90% receive tiered exemptions in addition to the standard homestead exemption.
Are cash-out refinances different in Texas?
Texas cash-out refinances must follow the state home-equity rules in Section 50(a)(6) of the Texas Constitution along with the VA requirements. We calculate the loan amount, cash available, rate, payment, and closing costs, then explain the applicable Texas conditions before you lock the rate.
Is there a VA loan limit in Texas?
A Veteran with full entitlement does not have a VA loan limit. The FHFA sets a 2026 one-unit conforming loan limit of $832,750 for most Texas counties. A loan above the applicable county figure is considered high balance, and the loan still requires full lender and VA approval.
Can I refinance a VA loan in Texas?
The IRRRL can lower the rate or payment on an existing VA mortgage without an appraisal or standard income documentation. Our No Minimum Credit Score VA IRRRL has no score floor when the mortgage history qualifies. Cash-out is the better comparison when you need equity, and we will apply the Texas home-equity rules to that option.
Want the Texas property taxes and approved exemption included in the payment?
We will pull the COE, review the complete application and property, and show the price range, payment, cash needed, and conditions.
Last reviewed August 8, 2026.