Get the free VA loan checklist that shows you exactly what you are missing compared to conventional and FHA financing. Real numbers. Houston prices.
This checklist breaks down VA vs FHA vs Conventional financing and shows you why most veterans are paying more than they need to.
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.
You end up financing $375,000 with FHA at 3.5% down ($13,125) plus $200/month in PMI. You could have financed the same home with VA at $0 down, $0 PMI, and a lower rate. Over 30 years, you paid $59,400 more than you needed to.
That is $1,980 per year. That is money for your family.
Same home. Same borrower. Three different loan types. See why VA wins on cost.
6.25%
30-year total cost ~$890,0006.75%
30-year total cost ~$920,0006.85%
30-year total cost ~$930,000Rates shown are for comparison purposes and may vary. Contact Brandon for current rates.
A veteran from Kingwood wanted to buy a $420,000 home. His realtor told him to use FHA financing. His realtor said VA was too complicated. We ran the numbers. His VA loan required $0 down and $0 PMI. His FHA alternative required $14,700 down plus $240/month in PMI. We closed in 32 days. His rate was 6.22%. His realtor called to apologize.
Loan Officer, Lock It Mortgage
NMLS #2522494
Houston, TX
Bilingual: Vietnamese and English
Brandon specializes in VA loans because he has seen too many veterans overpay for financing. He works exclusively with active-duty and veteran borrowers in the Houston market. Backed by 15+ years of combined team experience.
Response time: typically within 2 hours.
Available: Monday through Friday 8am to 6pm CST, Saturday by appointment.
A VA loan requires zero down payment and zero mortgage insurance. You qualify for a lower interest rate. On a $375,000 home, this saves you approximately $30,000 over 30 years compared to conventional financing. Conventional loans require 5% down ($18,750) plus mortgage insurance that costs $165/month ($59,400 over 30 years).
No. The VA funding fee (2.15% for first-time use) is rolled into your loan amount. On a $375,000 home, the funding fee is $8,062, but you do not pay this in cash. You finance it over 30 years. If you are a surviving spouse or have a service-connected disability, the funding fee may be waived.
No. Sellers care about one thing: financing approval. A veteran with a pre-qualification letter from Lock It Mortgage is as strong as any buyer. VA borrowers default less frequently than conventional borrowers. Smart sellers prefer VA buyers because the deal is more likely to close.
30-45 days, same as any other loan. VA does not slow down the process. Inefficiency does. We have closed VA loans in 25 days. The VA appraisal process is thorough but not slow. Plan for 45 days, and you will be pleasantly surprised if we close faster.
Get your free VA loan checklist and schedule a 30-minute consultation. No obligation. No sales pitch. Just real numbers for your situation.
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