You served. Zero down, no PMI, competitive rates — you've earned this benefit.
The Rio Grande Valley has a proud military tradition, and many RGV veterans return home after service looking to buy. The VA loan is the most powerful mortgage benefit in existence — zero down payment, no private mortgage insurance, and competitive rates. On a $215,000 home in McAllen, skipping the 3.5% FHA down payment means keeping $7,525 in your pocket. I specialize in VA loans and understand the funding fee structure, entitlement restoration, and Texas-specific benefits that stack on top of your VA eligibility.
Texas has a Veterans Land Board program that stacks with VA benefits for land purchases. If you're looking at rural property or acreage in Starr or Willacy County, ask me about VLB. It's one of the best programs in the country and most Texas veterans don't know about it.
VA approvals in the RGV start with the Certificate of Eligibility, which I obtain directly. Then we document income, verify service, and order the VA appraisal early to avoid closing delays. My average VA closing time is 28–35 days.
VA loans have no PMI — saving $100–$200/month vs. FHA or conventional with less than 20% down. The funding fee (typically 2.15%) is financed into the loan. Veterans with service-connected disabilities rated 10%+ are exempt from the funding fee.
I'm licensed in Texas and actively serve veterans throughout the Valley — McAllen, Edinburg, Harlingen, Brownsville, Roma, and everywhere in between. I know the local market, local appraisers, and local title companies.
It depends on whether you were called to active duty under Title 10. National Guard and Reserve members who served on active duty for 90+ days under a federal call-up generally qualify. I verify your eligibility through your DD-214 and DMDC records.
Get into your first home with 3.5% down — down payment assistance may cover it all.
Learn More →Move-up buyers and investors — conventional financing opens doors FHA can't.
Learn More →Qualify on rental income. No tax returns. Build your RGV portfolio.
Learn More →Free consultation. I'll tell you exactly what you qualify for in Rio Grande Valley and what your real monthly payment will be. Pre-approval in 24 hours.
NMLS #2248652 · Licensed in Texas · Response in 24 hours or less