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.
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.
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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
February 29, 2024Very 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
March 7, 2022Nathan was great and very knowledgeable with mortgage options for more complex financial situations. We had a great experience and would use Nathan's services again.
Paul Barnwell
March 7, 2022Was very patient and helpful whenever I called to ask questions. Always kept me up to date and was quick with the entire process, made it painless to apply for... read more
Matthew Crawford
March 7, 2023 -
Nathan was very professional and responsive. Kept me updated and answered calls/texts right away. Look forward to working with him again.
Paul Patel
March 7, 2022Nathan 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
March 7, 2023Nathan Howry and his team were so incredible to work with. This was our first time going through the process and Nate made sure we understood every detail along the... read more
Laurie Martinez
December 7, 2023Very professional and responsive , it was a top notch experience From beginning to end! I definitely recommend to use Nathan for any home buying event!
RAFAEL Figueredo
March 7, 2022 -
Absolutely amazing people!!
Jerry Self
March 7, 2023Nathan, made a stressful process smooth and easy. We couldn’t be happier with the job Nathan did! We highly recommend The Mortgage Maniac simply the best!!
Sean Riley
March 7, 2022Nathan 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
March 7, 2023It 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
March 7, 2022 -
Nathan provided outstanding customer service in a refinance of our rental property. He is a great communicator and problem solver.
Travis Kermott
March 7, 2023Nathan went above and beyond to understand my needs, secure a competitive rate and guide me through the mortgage process. He got me from offer to closing in an impressively... read more
Danielle Hayes
August 7, 2023I am so grateful that I'd reached out to Nate. I was in a position where I thought I wasn't able to get approved for a loan, but with Nate's... read more
Michael Bonilla
March 7, 2022We got one of the best rates working with Nathan. We have since referred him to our family and friends and all of them were very happy with the services... read more
Rohan Paliwal
March 7, 2023 -
Nate has taken great care of us. We refinanced our house this year and Nate walked us through every step of the way. He is very knowledgeable about the entire... read more
Michael Carlson
February 7, 2024I 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
March 7, 2022This is the first time I had the opportunity to work with Nathan and he far exceeded my expectations. I was the listing agent on a transaction and the buyers... read more
Laura Collins
March 7, 2022Good customer service and communication. Thanks!
Philip DeFrancesco
March 7, 2023
