Houston VA Loans for Veterans & Military Families
Local guidance, competitive pricing, and fast pre-approvals. With full entitlement, many VA buyers can put $0 down and pay no monthly PMI.
Why VA in Houston?
From Katy and Cypress to Pearland and League City, we help Houston-area Veterans compare neighborhoods, payments, and timelines—then close on time.
- $0 down with full entitlement
- No monthly PMI
- Flexible credit paths (manual underwrite when allowed)
Local guidance that works
We focus on your whole profile—residual income, rent history, and stability—not just a score. If AUS returns “refer,” we package a strong manual-underwrite case.
Fresh Start for Veterans →Know your options
- VA Purchase (primary residence)
- IRRRL (VA Streamline Refi)
- VA Cash-Out (debt consolidate, projects)
Houston Market Snapshot
- Diverse price points—from established neighborhoods to new builds
- Plenty of single-family homes and townhomes across suburbs
- Competitive but workable—strong pre-approvals help you win
Neighborhood Spotlights
- Katy / Cypress: master-planned, schools, suburban value
- Pearland / League City: south-side access, newer homes
- The Woodlands / Spring: established communities, greenbelts
Taxes, Insurance & Tips
- Property taxes vary by county and MUD/ISD—budget carefully
- Homestead & possible VA disability exemptions can reduce taxes
- Insurance may be higher near flood zones—ask us how to plan
PCS & BAH Friendly
Moving with orders? We factor BAH, LES, and timing into your approval. Our team coordinates timelines so you can land, shop, and close smoothly.
New Construction
Houston’s new-build pipeline is strong. We work with builders on incentives and ensure your VA terms (appraisal, warranty, timelines) are clear up front.
Floodplain Savvy
Certain pockets require careful insurance planning. We’ll flag potential flood zones early and model the impact on your monthly payment.
Featured Partner: Houston Real Estate
Partner realtor for Houston & surrounding areas—new construction, resale, and winning offer strategies for VA buyers.
Estimated VA Rates & APR (Houston)
For full, live estimates visit VA Live Rates.
Proudly serving the Houston area
Houston • Katy • Cypress • Spring • The Woodlands • Sugar Land • Pearland • League City • Clear Lake • Tomball • Humble • Richmond • Rosenberg • Missouri City • Friendswood • Pasadena • Baytown • Manvel • Alvin • Atascocita • Kingwood
Houston Veterans we’ve helped
“Zero-down and a clear plan. They knew the Houston market and made it smooth.”
“AUS said refer. They built a strong manual-underwrite package and got it done.”
“Great communication and a payment we were comfortable with.”