NMLS #2498240

VA Loans

If you have served, let us serve you in return
Focuses on veterans, active-duty service members, national guard or reserves, and certain surviving spouses.
  • No Down Payment
  • No Mortgage Insurance
  • Lower Rates
  • Flexible Credit Requirements
  • Assistance with Foreclosure Avoidance

The type of loan is famous for its no down payment. It also doesn’t require private mortgage insurance (PMI) and is flexible with credit scores. There is an existing VA funding fee that is a one-time payment. There are usually no prepayment penalties.


  • Minimum of 550 credit score
  • Proof of income (Bank statements and pay stubs), assets, and tax returns 
  • Maximum of 41% Debt-to-Income ratio (DTI)
  • No required down payment: 
  • Active service for 181 consecutive days during peacetime.
  • At least 90 days of active duty

Loan Disclaimer

Not all applicants will qualify. Please meet with one of our licensed loan officers for more information. Rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Home loan programs are only available in Texas.

Loans are subject to borrower qualifications including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to program guidelines and Sociable Mortgage’s lending policies and are subject to change without notice.

Let us guide you.

Free consultation.

Our Signature Process

Let our expert team handle the complex mortgage process as you envision your dream home. We provide an efficient and enjoyable experience, allowing you to create a lasting home for yourself and your loved ones. Let’s work together to bring your dream to life.