Get the free VA loan checklist. It shows the papers you need and how VA compares to FHA and conventional loans in Houston.
This checklist walks you through VA, FHA, and conventional loans side by side, so you know what to ask.
Most realtors in Houston have never closed a VA loan. They steer veteran buyers toward FHA or conventional financing because it is what they know. They are not trying to hurt you. They just do not understand your benefit.
Here is what happens: You find a home. Your realtor says, "VA loans are too slow" or "Sellers won't accept it" or "The appraisal is too strict." You believe them because they are the expert, right?
Wrong.
Say you use FHA when you could have used VA. FHA has its own down payment rules and adds mortgage insurance. VA has its own down payment rules and has no monthly mortgage insurance. The right pick depends on your file, so compare both before you sign.
You earned this benefit. Ask to see both options.
Some realtors steer veterans to FHA because they know it better. VA has its own down payment rules. It also has no monthly mortgage insurance. I run VA and FHA side by side for you. Then you pick the one that fits.
Loan Officer, Lock It Mortgage
NMLS #2522494
Houston, TX
Bilingual: Vietnamese and English
Brandon helps veterans and active duty buyers in Houston use their VA benefit. He also works with first time buyers, self employed buyers, and investors.
Reach Brandon 7 days a week by call, text, or email.
A VA loan has its own down payment rules and no monthly mortgage insurance. A conventional loan has its own down payment rules too, and it may add mortgage insurance based on the loan to value. Your cost on each one depends on your credit, the loan amount, and the market when you lock. I can show you both side by side before you pick.
Not always. The VA funding fee can be added to your loan amount, so you may not need to pay it in cash at closing. Some buyers do not pay the fee at all. This can include veterans who get VA disability pay and some surviving spouses. I can check what applies to you.
No. Sellers want a buyer whose loan can close. A VA buyer with a strong file can make a solid offer. Get a pre approval letter before you shop. I can also talk with your agent about how a VA loan works.
It depends on your file, the home, and the appraisal. A VA loan follows the same main steps as other loans. The VA appraisal is careful, so plan ahead with your agent. Once I see your file, I will walk you through each step.
Get your free VA loan checklist and book a 30 minute call with Brandon. No cost and no obligation. We will look at your own situation.
Or call directly at 832-997-1527
Schedule a call: Book a free 30 minute call