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Explore our frequently asked VA Loan questions

 

VA Loans offer several benefits, including no down payment requirements, no private mortgage insurance (PMI), competitive interest rates, and flexible credit requirements. Additionally, veterans can enjoy fast approval processes and potential credit bonuses after loan approval, making homeownership more accessible and affordable.

 

The VA Loan entitlement is the amount the VA guarantees on a loan, which helps veterans secure favorable terms. Veterans can use their full entitlement for a loan up to the county loan limit without a down payment. If the loan exceeds the limit, a down payment may be required. Veterans who have previously used their entitlement can restore it by selling the home or refinancing the VA Loan into a conventional loan.

Yes, VA Loans can be used to purchase homes in rural areas, as long as the property meets the VA's minimum property requirements. This makes VA Loans an excellent option for veterans looking to buy homes in rural regions, where they can benefit from lower property prices and the various loan advantages offered by the VA.

VA Loans have certain property requirements to ensure the home is safe, sound, and sanitary. The property must meet these minimum property standards, which include adequate roofing, reliable heating, clean water supply, and proper drainage. Homes in flood zones may also require flood insurance. These standards help protect veterans by ensuring they invest in quality housing.

To qualify for a VA Loan, veterans need to meet the service requirements, which typically include active duty service for a minimum period, honorable discharge, or current service status. Veterans must also obtain a Certificate of Eligibility (COE) from the VA, have a sufficient credit score (usually around 620), and provide proof of stable income. Working with a knowledgeable VA Loan specialist can streamline this process and ensure veterans take full advantage of their benefits.

Why Choose MORTGAGEinc?

Your path to the perfect mortgage starts here.

Competitive Rates and Personalized Service

Secure market-leading rates tailored to YOUR financial goals.

Expertise and Time-Saving Streamlined Process

Stress-free closings are our specialty. Leave the paperwork and deadlines to us.

Local Knowledge and Community Focus

Proudly serving New Braunfels homeowners for over 15 years.

Military Family having fun together in home (1)

Specializing in Texas VA Loans

The MORTGAGEinc Team is your premier VA mortgage team located in New Braunfels, Texas. We pride ourselves on offering some of the most competitive rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the New Braunfels area.

Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.

Our numbers speak for themselves

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VA Loans Made Simple

MORTGAGEinc is committed to providing clients with the highest quality financial services combined with competitive rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at a competitive rate no matter what your needs are.

We understand the frustrations of finding a mortgage.
We've designed our services to make it smoother and more transparent.

Efficiency

We realize your time is extremely valuable so we'll get to work quickly on your behalf to find the best options.

Clarity

We know mortgage can be confusing and we'll educate you so you truly understand your coverage.

Value

We help you find the right mortgage, striving to save you the most money and secure the best rate possible.

  • Very pleased with our home re-fi with Nathan. The easiest mortgage I have ever gone through! I appreciate the technology--easy uploading of sensitive documents, reminders about what we still needed... read more

    Amy Turner Avatar Amy Turner
    March 7, 2022

    I recommend Nathan Howry to everyone! He was available whenever I had questions. He made the process smooth and easy and was in contact with me every step of... read more

    Sandra Iracheta Avatar Sandra Iracheta
    March 7, 2022

    Nathan was great to work with. We were moving from out of state, and he made the process extremely easy. Whenever we had questions he was always available to walk... read more

    Brian Snyder Avatar Brian Snyder
    March 7, 2023

    Ms. Sayegh was very professional and patient working with me around my busy schedule . I would definitely choose MortgageInc. Services again with Ms. Sayegh.

    ahmad samra Avatar ahmad samra
    June 28, 2024
  • Do you know why Mortgage Inc has 5 out of 5 stars? Other than the practical, they get your home loans done, the biggest reason is because they care about... read more

    Erin L Jamieson Avatar Erin L Jamieson
    August 28, 2024

    The Mortgage Maniac is the best mortgage broker! many of my friends and family members found the absolute best rates on their mortgages, so we didn’t hesitate when looking... read more

    Yessenia Martinez Avatar Yessenia Martinez
    March 7, 2023

    Nathan was great to work with! He was readily available and responsive to me & my client's needs and questions throughout the process. Thanks for all your help and assistance,... read more

    Liz Hart Avatar Liz Hart
    March 7, 2023

    The Maniac team was amazing! I appreciate all the support and communication through buying process! Very happy with my experience!!

    Cindy Quigley Avatar Cindy Quigley
    May 7, 2023
  • It was a great pleasure to work with Nathan. The loan application was done completely, accurately, and quickly. I would recommend him to anyone.

    David Smith Avatar David Smith
    March 7, 2022

    Nate us by far the best mortgage lender we have worked with. He’s honest, responsive, friendly, and worked hard to get us a great rate. We will use him again... read more

    Sasha White Avatar Sasha White
    March 7, 2022

    Nathan was very easy to work with and made himself readily available during our purchasing process. We would use him again in the future if needed. Our realtor... read more

    Kris Ramac Avatar Kris Ramac
    March 7, 2023

    Absolutely amazing job on how quickly everything was processed and we closed!!! Appreciate everything you worked so hard for! Thank you!!’

    Shannon Shaw Avatar Shannon Shaw
    October 28, 2024
  • My experience with Nathan and his team was fantastic. No surprises, everything was clear and they worked so fast. Don't hesitate to work w/ Nathan.

    Michael Biegel Avatar Michael Biegel
    February 29, 2024

    I had the pleasure working with the Loan Officer, Haneen Sayej, on this transaction, and she showed a very high level of professionalism and expertise throughout the process of the... read more

    Nizar Hathaf Avatar Nizar Hathaf
    June 28, 2024

    Great service, highly recommend this team!

    Josh Gilmore Avatar Josh Gilmore
    March 14, 2025

    Absolutely amazing people!!

    Jerry Self Avatar Jerry Self
    March 7, 2023
  • Near instant responses 7 days a week when working with Haneen. Couldn’t have found a better mortgage broker. I would recommend anyone to contact her with any and all mortgage... read more

    Ryan Shaw Avatar Ryan Shaw
    October 28, 2024

    Everyone at MortgageInc was extremely helpful. Nathan was very knowledgeable, personable and helped us throughout the process. We were very fortunate to have used his services!!!

    Janie Ramos Avatar Janie Ramos
    July 7, 2023

    Absolutely wonderful! Helped me in every step of the process and coordinated everything necessary to provide the fastest turnaround time! I would not have my house without him!

    Anthony Crawford Avatar Anthony Crawford
    March 7, 2023

    I was completely blown away by the experience with the Mortgage Maniac, Mr. Nate Howry. First of all, the speed and professionalism of the Maniac himself stand out as compared... read more

    Steve Avatar Steve
    March 7, 2022

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