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VA Loans Texas

VA Home Loans in Texas

Zero Down Payment. No PMI. Serving Those Who Served.

VA loans are one of the most powerful home financing benefits available to U.S. military veterans, active duty service members, and surviving spouses. With zero down payment, no private mortgage insurance, and competitive interest rates, VA loans make homeownership more accessible for those who have served our country. As a proud Homes for Heroes member, Austin Dell'Abate is deeply committed to helping Texas veterans navigate the VA loan process with ease — and has closed hundreds of VA loans across Austin and the surrounding area.

Key Benefits

Zero down payment required (100% financing)
No private mortgage insurance (PMI) required
Competitive interest rates typically below conventional loans
Flexible credit and income requirements
Seller can pay all closing costs
Can be used multiple times throughout your lifetime
Homes for Heroes savings available for eligible heroes

Loan Requirements at a Glance

Eligible BorrowersVeterans, Active Duty, National Guard, Reservists, Surviving Spouses
Service Requirement90 days active duty (wartime) or 181 days (peacetime)
Down Payment0% — no down payment required
Funding Fee1.25%–3.3% (waived for disabled veterans)
Certificate of EligibilityRequired (we help you obtain it)
Property TypePrimary residence only

Frequently Asked Questions

Do I need a Certificate of Eligibility (COE) to apply?

Yes, but don't worry — we handle the COE request for you as part of the application process. Most COEs are obtained electronically within minutes.

Can I use a VA loan more than once?

Absolutely. VA loan benefits can be used multiple times throughout your lifetime. If you've paid off a previous VA loan or sold the home, your full entitlement is typically restored.

What is the VA loan limit in Texas?

As of 2020, there is no VA loan limit for eligible veterans with full entitlement. You can purchase a home at any price — the zero-down benefit applies to the full loan amount.

What is Homes for Heroes?

Homes for Heroes is a national program that provides additional savings to veterans, active duty military, first responders, teachers, and healthcare workers. As a member lender, we can offer special benefits on top of your VA loan.

VA Loans Texas — Cities We Serve

Austin Dell'Abate — Gavin Lending
Austin Dell'Abate
NMLS #184155 · 23 Years Experience
4.9 · 2,000+ clients
Get Your VA Pre-Approval Today 512-825-7007

Quick Pre-Approval Request

Same-day response guaranteed