If you've served our country, you've earned one of the most powerful home financing tools available. I help DFW veterans and active-duty service members use their VA benefit to buy a home with zero down payment and no monthly mortgage insurance.
VA loans are backed by the Department of Veterans Affairs and offer terms that no conventional or FHA loan can match. There's no down payment requirement for qualified borrowers, no monthly private mortgage insurance, and no loan limit for those with full entitlement. If you served, this benefit is yours — and I specialize in making sure DFW veterans actually use it.
VA loan eligibility is based on your service history. A Certificate of Eligibility (COE) confirms your entitlement — I help you obtain it at no charge.
Discharged under honorable conditions after meeting minimum service requirements. Most veterans who served 90+ days during wartime or 181+ days during peacetime qualify.
Currently serving members who have completed at least 90 days of active service. National Guard and Reserve members with 6+ years of service or federal activation also qualify.
Unremarried surviving spouses of veterans who died in service or from a service-connected disability may be eligible for the VA home loan benefit.
| Feature | VA | FHA | Conventional |
|---|---|---|---|
| Down Payment | $0 | 3.5% | 3–20% |
| Monthly PMI/MIP | None | Yes (lifetime) | Until 20% equity |
| Min. Credit Score | No VA minimum | 580 | 620 |
| Loan Limit | None (full entitlement) | County limit | Conforming limit |
| One-time Fee | Funding fee (waived if disabled) | 1.75% UFMIP | None |
For most veterans, VA's zero-down and no-PMI combination saves $300–$600/month vs. FHA or conventional with 3–5% down. I run both scenarios so you see the real numbers before you decide.
I help veterans buy across all of DFW. Click your city for rates, eligibility, and a local comparison.