Most eligible VA borrowers can purchase with no money down.
VA loans do not require private mortgage insurance, saving you money each month.
VA loans typically offer below-market interest rates for eligible borrowers.
VA loans are backed by the U.S. Department of Veterans Affairs and offer significant advantages for eligible Texas military borrowers. There is no down payment requirement for most borrowers, no private mortgage insurance, and competitive interest rates.
To use a VA loan, you must obtain a Certificate of Eligibility (COE) confirming your service qualifies. Ken Harmon can help verify your eligibility and walk you through the application process.
VA loans are available to eligible veterans, active-duty service members, and surviving spouses. Service requirements vary by era and length of service. A Certificate of Eligibility (COE) is typically required.
Most qualifying VA borrowers can purchase with zero down payment. There is no private mortgage insurance (PMI) requirement, which can significantly reduce monthly costs.
Most VA borrowers pay a one-time funding fee which varies based on down payment amount, service type, and whether it is a first or subsequent use. Some veterans with service-connected disabilities may be exempt.
VA loans are for primary residences only. You must intend to personally occupy the home. Multi-unit properties (up to 4 units) may qualify if you occupy one unit.
Estimated Monthly Payment
$2,206.58/mo
Principal & Interest
$1,706.58
Taxes
$400.00
Insurance
$100.00
Loan amount: $270,000 · This is an estimate only. Actual payments depend on program, lender, mortgage insurance, HOA, and underwriting. Not a commitment to lend.
Apply online through our secure Loan Factory portal, or call Ken directly for a personal consultation. There's no obligation for a pre-qualification review.
Applications processed securely through Loan Factory, Inc. NMLS #320841 · Ken Harmon NMLS #921561
Important Disclosures
Programs, rates, terms, and conditions are subject to change without notice and are subject to credit and underwriting approval. Not all applicants will qualify. Loan amounts, interest rates, and program availability may vary based on individual circumstances, lender guidelines, and current market conditions. This is not a commitment to lend.
Ken Harmon, NMLS #921561. Loan Factory, Inc. NMLS #320841. Licensed to originate mortgage loans in the State of Texas. Verify licensing at nmlsconsumeraccess.org.
Equal Housing Opportunity.