For those who have served our country, homeownership shouldn’t be out of reach — it should be one of the benefits you’ve earned. That’s where the VA home loan comes in. At Extraco Mortgage, we’re proud to help Texas Veterans and active-duty service members navigate the VA loan process and get the keys to their new home with confidence.
If you're eligible for a VA loan, this may be the most affordable and flexible path to homeownership available to you.
What is a VA Home Loan?
The VA home loan is a mortgage option backed by the U.S. Department of Veterans Affairs. It’s designed to make buying, building or refinancing a home more accessible for those who have served or are currently serving.
At its core, the VA loan reduces some of the financial barriers that come with purchasing a home — no down payment required, no private mortgage insurance (PMI), and competitive interest rates.
Who is Eligible?
You may be eligible for a VA home loan if you are:
An active-duty service member
A Veteran who meets service requirements
A member of the National Guard or Reserves
A surviving spouse of a Veteran (in some cases)
If you’re unsure whether you qualify, our consultants at Extraco Mortgage can walk you through the eligibility process and help you obtain your Certificate of Eligibility (COE).
Why Veterans in Texas Choose VA Loans
Texas has one of the largest Veteran populations in the country. Whether you're stationed at Fort Hood, living near a base, or settling down after service, the VA loan can help you:
Skip the down payment.
Use your savings for moving costs or furnishing your home instead.Avoid PMI.
Conventional loans typically require private mortgage insurance with less than 20% down — not with a VA loan. However, a funding fee can sometimes apply.Enjoy competitive rates.
VA-backed loans often come with lower interest rates than other loan types.Get flexible credit requirements.
VA loans are often more forgiving of past credit challenges.
Local Support From a Texas Bank You Can Trust
At Extraco Banks, we know Texas — and we know home loans. Our team has experience guiding Veterans and military families through the VA loan process from start to finish. We’ll help you get pre-qualified, understand your benefits, and close on your home with confidence.
Plus, as a community bank, we pride ourselves on personalized service that national lenders can’t match.
