Leverage the VA Home Loan Program
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What to know
VA loans often come with no down payment requirements, no private mortgage insurance (PMI), and potentially lower interest rates than conventional loans.
The Department of Veterans Affairs (VA) offers home loans to active-duty service members, veterans, and eligible surviving spouses.
It's important to consider the potential for frequent moves due to military service and whether owning a home aligns with your long-term plans.
Why Now is the Best Time!
It all begins with an idea.
Increased inventory, meaning more homes available, gives buyers more negotiating power and potentially better terms.
While not at record lows, mortgage rates have stabilized somewhat, making home buying more affordable for some.
Texas has seen a dip in home values, potentially making it a good time to buy, especially in markets with the steepest inventory increases.
Credit Buying Power
It all begins with an idea.
Credit scores are one factor mortgage lenders consider when evaluating you for a loan. Lenders also use your credit scores to help set your interest rate and other loan terms.
Most conventional mortgages require first-time homebuyers to have a minimum credit score of 620 for approval.
First-time homebuyers whose credit scores don't hit the standard minimum may still be able to qualify for a mortgage through FHA, VA or USDA programs.