VA Mortgage Loans in Texas: Your Guideline to Homeownership

Jennifer No
Aug 20
1 min read

1. What Makes VA Loans So Appealing in Texas

No Down Payment Required Eligible veterans can finance 100% of a home’s purchase price, eliminating the barrier of hefty upfront costs—often thousands of dollars.

No Private Mortgage Insurance (PMI)Unlike conventional loans that typically require PMI for down payments under 20%, VA loans eliminate this extra monthly cost

Lower Interest Rates Backed by the government, VA loans often carry interest rates that are lower than those of conventional mortgages. Over the life of a 30-year loan, this can translate to tens of thousands in savings

2. Texas-Specific Advantages for Veterans

VA Loan Limits

If you have full entitlement, there’s no limit to how much you can borrow—lenders may go as high as needed

Property Tax Exemptions If you have a service-related disability, you may qualify for:

100% exemption for full disability ratings
Sliding-scale exemptions ranging from $5,000 to $12,000 for ratings between 10%–100%

3. VA Minimum Property Requirements (MPRs)—What You Need to Know

VA loans require that homes meet strict standards to ensure safety and durability:

Safe, functional systems: roofing free of leaks, working electrical/plumbing/HVAC
Structural soundness and sanitary conditions
Texas-specific considerations:
- Termite inspections (high risk throughout TX)
- Adequate drainage and vapor control in crawl spaces, flood-zone scrutiny in coastal areas
- Proper water and sewage systems—especially critical for rural properties with wells/septic tanks