The VA Loan — The Most Powerful Benefit You've Earned
No down payment. No monthly mortgage insurance. The most competitive rates in the market. If you served, this benefit is yours — and most veterans in the RGV never use it.
Check My VA EligibilityWhat Makes the VA Loan Different
The VA loan is backed by the U.S. Department of Veterans Affairs — giving lenders the confidence to offer terms no conventional program can match. If you qualify, it's almost always the best product available.
$0 Down Payment
Buy with zero down — no savings required. In 2026 there are no VA loan limits for veterans with full entitlement in Texas.
No Monthly PMI — Ever
No private mortgage insurance, period. That saves hundreds per month compared to FHA or conventional with low down payment.
Highest DTI Allowed
Up to 41% standard — and up to 60% with VA residual income approval. More room for real-life debt than any other program.
Tax-Free Income Counts
VA disability pay is tax-free and counts at its full value — not reduced. That can dramatically increase your buying power.
Understanding the VA Funding Fee
Instead of monthly mortgage insurance, VA charges a one-time funding fee — usually rolled into the loan. And if you have any service-connected disability rating, you pay zero.
| Situation | Funding Fee |
|---|---|
| First-time use · 0% down | 2.15% |
| First-time use · 5–10% down | 1.50% |
| First-time use · 10%+ down | 1.25% |
| Subsequent use · 0% down | 3.30% |
| Service-connected disability (any %) | 0% — Exempt |
| Surviving spouse of veteran who died in service | 0% — Exempt |
Example: $300,000 loan · first use · 0% down = $6,450 fee, usually financed into the loan — nothing out of pocket.
Who Qualifies for a VA Loan?
Veterans
Honorably discharged after 90 days active duty (wartime) or 181 days (peacetime).
Active Duty
Currently serving with 90+ continuous days of active duty.
National Guard / Reserves
6+ years of service, or 90 days active duty under Title 10.
Surviving Spouses
Unremarried spouse of a veteran who died in service or from a service-connected disability.
You'll need a Certificate of Eligibility (COE) — we pull this for you as part of the process. You don't have to track it down yourself.
You've Earned This — Let's Use It
Tell me your service background and what you're looking to buy. I'll pull your COE, run your numbers, and show you exactly what your VA benefit gets you in the RGV market today.
Talk to JorgeVA loan eligibility and terms subject to individual qualification, lender guidelines, and VA program rules. Willow Bend Mortgage Company LLC · NMLS #117371 · MLO NMLS #2523742 · Equal Housing Lender. This is not a commitment to lend.
¿Listo para programar una cita u obtener tu Pre-Aprobación?
Llama o manda texto al 956-877-8778
Oficina de Brownsville
Oficina de Harlingen
Sucursal de McAllen
LiveRGV.net
Política de Privacidad / Términos y Condiciones
Impulsado por Willow Bend Mortgage Company, LLC, NMLS #117371. Equal Housing Lender. Todos los préstamos están sujetos a aprobación de crédito. Aplican términos y condiciones.
Jorge J Alanis, Mortgage Loan Originator / Mortgage Lender NMLS #2523742, ayuda a compradores locales y personas que se mudan a Brownsville, Harlingen, McAllen y todo el Valle del Río Grande con financiamiento de vivienda, guía, planes de crédito, programas para compradores de primera casa y opciones hipotecarias de bajo enganche.