VA – Home Purchase Loans

National Oceanic and Atmospheric Administration and Commissioned Officers of the Public Health Service are considered to be active duty members and veterans, once discharged.

Veterans must have been discharged under conditions other than dishonorable.

Length-of-service requirements apply in most cases.

You will need to have a valid Certificate of Eligibility (COE). You may obtain one from the VA or from your lender. 

If you need to obtain your COE, please contact your lender about obtaining your COE. You can also download the VA Form 26-1880. You can get complete details on where to complete the form and mail it. You can also call Toll free number: 1-888-244-6711 or email the “U.S. Department of Veterans Affairs“.

Great Loan Terms

Market Interest Rate, VA funding fee and no pre-payment penalties. Maximum loan term cannot exceed 30 years. No maximum loan amount.

Application Process

Contact your lender to discuss qualifying for the VA loan. Your lender will help you find out the basic requirements, including the following:

The loan must be for your primary residence.

The home has to appraise for the loan amount or higher.

You need enough income to meet your monthly mortgage payments, maintain the home, take care of your other debts, and have enough money left over to cover daily expenses.

You have to have a good credit history to qualify.

A VA lender is the best way to find out if and how to qualify for a loan and get the pre-qualification process started. You can always get up to date info from the VA Home Loan website.

If you have any interested in getting an ARM (Adjustable Rate Mortgage) loan, please note that that the loans are being offered as a traditional 1 year ARM and also as hybrids with 3, 5, 7 and 10 year fixed rates. Consult with your VA lender to be sure they are still offered.

Program Contact Information

Please call or email me for more info. I have a great VA lender that can answer all your questions.

USDA Rural Loan Program, Texas Loans, 100% Finanacing

Find A Lender

Here are a few lenders that I recommend.  I have worked with all of them in the past and they are all really good.

1)  Carson Vaughn/ Stephen Babcock is his assistant
“The Vaughn Team”
Advantage Mortgage Network (AMNET)
Production Associate to Carson Vaughn
512-497-3742 (C)
512-794-6786 (O)
512-366-7253 (F)
4425 MoPac S. Bldg. 3 # 504
Austin, TX 78735

2)  Cody R. Daniel
Sr. Mortgage Lender
The Daniel Mortgage Group
Capstar Lending  6836 Austin Center Blvd #110
Austin, TX 78731
ph. (512) 750-2999  fax (512) 233-2248

3) Jessica Wurzel Blair | Mortgage Loan Officer

University Federal Credit Union

Mortgage Services, Lakeway

(512) 997-4629 | f (512) 977-7735 | c (409) 200-4030

NMLS ID# 1065748

Austin Business Journal’s 4th Largest Mortgage Volume Lender

Apply at my website


4) Josh Brown

Mortgage Banker

NMLS # 216153

Josh Brown Team


5) Sente Mortgage 901 S Mopac Bldg 4 Ste 125 | Austin, TX  78746 | main 512.637.9900

mobile/text 512.669.1141 | direct 512.637.9122|  fax 512.637.9901 |


This site is intended for clients that are not currently registered with a Broker. If you have a current Buyers Representation Agreement signed with another Texas real estate Broker, please contact your Agent or Broker. Texas Real Estate Commission Consumer Protection Notice