VA Mortgage Loans in Texas

Being an active member of the US military, a veteran, or even the surviving spouse of a late member, you deserve to be able to settle in a nice house. And after searching long enough, you’ve found that perfect house. But unfortunately, you don’t have enough funds in the bank to be able to buy it and you end up needing a VA home loan in Texas. You’re even further burdened by searching for qualified candidates, where there are numerous VA home loan lenders in Texas who are more than willing to make you an appealing offer. However, while such offers appear tempting to accept, it’s crucial that you’re aware not all loan lenders in Texas offer the same set of terms. So if you’re frustrated with trying to find the right loan lender, then don’t keep burdening yourself when you can hire the experts at American Bancshares today!

Our company’s 20+ years of gained experience is achieved thanks to our unequal provided services and paired a deep commitment of the organization to empower communities. And because of this, we are widely known throughout the state of Texas as one of the premier lenders of VA loans in Texas. If you’d like to learn more about why you should hire us as well as what a VA loan is, then continue reading below.

Why You Should Choose American Bancshares For Their VA Mortgage Loans in Texas

American Bancshares is widely recognized and admired as one of the most trusted VA home loan lenders in Texas, but we’re also recognized and appreciated for being a reliable one. Thanks to our 20+ years of experience, our organization has empowered various partners and communities. And because of our provided work, our services have actually extended across to various regions of the nation.

The structure of our organization was designed and created by industry experts who are deeply knowledgeable about the modern home financing market. In contrast to banks, our organization offers mortgage products. What this means is that all of our VA home loan lenders in Texas are licensed and even deeply knowledgeable in mortgage lending. They aren’t just qualified to offer you professional and ethical advice, they’re also committed to assisting you in finding the right loan with a rate, terms, and cost-effectiveness that’s most beneficial for your best interests.

The organization of American Bancshares as a whole is deeply passionate about serving the community. And this is often due to the fact that our organization’s core values include:

  • Commitment
  • Integrity
  • Transparency

Most of our staff members — even including our senior management — have held every single position of the mortgage industry. And because of this, we’re able to gain amazing insight from numerous different perspectives. Plus, multiple perspectives paired with deep knowledge about the industry helps us to be fluid with industry changes as we still effectively and efficiently provide you with unmatched services and first-in-class customer service that American Bancshares is widely known for.

Our company possesses leveraged technology to provide you with a simple, straightforward, online stress-free mortgage application experience. Through us, you’ll be granted one of our VA mortgage loans in Texas that will help you acquire the property you seek to purchase.

VA Mortgage Loans in Texas

If you’re an active service member, a veteran, or even the surviving spouse of either/or, you may qualify for a VA home loan in Texas.

We’re not just recognized as one of the best VA home loan lenders in Texas just because of our hard work. We’re also recognized because of our acknowledgment for those who’ve served in the military or are a veteran and have provided tremendous work for our nation. And due to this acknowledgment, we’ll gladly help you navigate through the complicated criteria of a VA mortgage in Texas.

A VA loan in Texas provided generous terms to eligible homeowners including:

  • No down payment
  • No mortgage insurance
  • No prepayment penalties
  • No limited closing costs

Regardless if you’re still in the military, a veteran, or even if you’re a surviving spouse, we can assist you.

How a Texas VA Loan Works

A Texas VA loan is designed to help active service members, veterans, and even surviving spouses become homeowners. The individual applying for this loan type presents a certificate of eligibility from the VA to the lender in the course of a loan application. While some of the lender’s own underwriting criteria must be met, in many cases, VA loans in Texas are much easier to qualify for than conventional loans.

The Veterans Administration offers a home loan guarantee benefit and other housing-related programs to help qualified candidates or their family members to buy, build, repair, retain, or even adapt a home for personal occupancy.

VA mortgage loans in Texas offer up to 100% financing on the value of a home. VA loan recipients don’t have to be first-time home buyers. More so, they may even reuse the benefits and assign the loan to another qualifying person.

Types of VA Mortgage Loans in Texas

The VA offers several types of mortgage loans to help veterans and their families. 

  • VA home purchase Loans – this VA home loan in Texas helps veterans buy a home at a competitive interest rate. Sometimes these purchase loans don’t require a down payment or private mortgage insurance.
  • Cash-Out Refinance Loans – As a mortgage holder and a veteran, you’ll be able to borrow against home equity to pay off debt, fund education, or even make home improvements. This Texas VA loan type offers a new mortgage for a larger amount than the existing note and even converts home equity into cash.
  • Interest Rate Reduction Refinance Loans (IRRRLs) – Also called streamline refinance loans, this program assists borrowers that are receiving a lower interest rate by refinancing an existing VA loan. This process helps homeowners to refinance a fixed loan at a lower interest rate or convert an adjustable-rate mortgage (ARM) into a fixed-rate mortgage.
  • The Native American Direct Loan Program – If you’re a Native American and a veteran, this program will help you finance the purchase, construction, or improvement of homes on federal trust land. You can even receive a reduction in interest rates with these VA loans in Texas.
  • Adapted Housing Grants – If you’ve sustained a permanent and total service-connected disability, Adapted Housing Grants helps you buy, build, or even modify an existing home for their disability.

Hire American Bancshares For Their VA Mortgage Loans in Texas

When you’re ready to purchase your desired property and need assistance from a qualified Texas mortgage lender, pick up the phone and call the experts over at American Bancshares. American Bancshares has been trusted by numerous clients for not only their professionalism and expertise but also for their devotion to helping you become a part of a better community. You can trust that with our deep knowledge and handiwork, you’ll become absolutely satisfied with our services. For any inquiries, you may call us at 1-833-937-2276 or visit us online to schedule a free consultation.

Our passion for growing communities

Servicing the community is driven by our core values of commitment, integrity, and transparency. Many of our team members and most of our senior management have sat in every chair of the mortgage industry, providing us with a full understanding of the business from all aspects. This in-depth knowledge is what allows us to quickly and efficiently adapt to industry change, while constantly providing you with superior processes and first-in-class customer service.

We have leveraged technology to bring you a simple, straightforward, online stress-free mortgage application experience.

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