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Thank You For Your Service!



We specialize in serving active duty and veteran military personnel across the state of Katy. That’s our focus and our passion, so we understand vets and your unique needs when obtaining a Katy VA Loan. There is nothing that is more satisfying to us then giving back to Veterans by helping you realize the dream of home ownership.

Obtaining a Katy VA Loan doesn’t have to be complicated or confusing, and that’s why we’re here, to help guide you through the process and work toward a smooth and on-time closing. You can find many resources on this website, or simply give us a call, we would be honored to speak with you and answer your questions!

Katy VA Loan Rates

Because of our focus on helping Veterans, we have access to two unique programs to help you save money on your home loan. The first program is called Homes for Heroes, which will enable you to save at least $500 off your closing costs. In addition, we can connect you with a Homes for Heroes real estate agent for even more savings.

Most Veterans can save even more through the Katy Home Buyer Tax Credit. The tax credit is a dollar-for-dollar reduction of your tax liability each year for the life of your VA mortgage. The average savings, as a monthly average, is over $100/month off your mortgage interest! Most lenders don’t have access to this program, and we are proud to be able to offer this to our Veteran home buyers.

The Katy VA Loan remains one of the best loan programs available, if not THE best. With 100% financing still available (no down payment), and no monthly mortgage insurance, you will obtain the lowest possible payment available. What will your payment be? Just fill out the quick quote form on the right side of this page for a fast, no obligation rate quote.

Katy VA Home Purchase Loans

Whether you are trying to lower your rate and payment or you would like to pull cash out to pay off other bills, a Katy VA Refinance Loan can help! VA allows you to borrow up to 100% of your home’s value on a refinance. This is unprecedented in the mortgage industry. Most other programs limit you to 85% or 90% of your home value when pulling cash out, and penalize you through a higher rate if you borrow more than 80% of the value. Not so with VA loans.

If you have an existing Katy VA Loan, you can quickly and easily roll it over into a new VA loan with a lower rate and payment with the Katy VA IRRRL Refinance program. With low or no fees, this is the best program going for Veterans to lower their rate and payment. Simply fill out the no obligation rate quote form on the right side of this page and we will get you a fast estimate, or we are always available to serve you in the office at (832) 887-1300.

There are many resources on this website to help you understand how to qualify for your VA loan. One of the first steps is to obtain your Certificate of Eligibility. We will also help you understand income and employment standards, as well as what kind of credit history and rating you will need in order to qualify.

We would be honored to help you….you have earned the right to use your Katy VA Loan benefits…please give us the chance to help you!

A Few Areas We Serve:

Houston VA Loan | Katy Vet Loans | Cypress Veteran Loans

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Income Requirements

When qualifying for a Katy VA Loan, like with any type of loan program, your lender will use your gross income (before taxes) for qualifying. This is extremely important because some items such as BAH and disability pay are not taxed. For those items, lenders can “gross up” the income, meaning that for qualifying purposes, they can take 125% of the amount you receive.

The total income of all of the borrowers on the application is used to qualify. If there is a family member living in the home who is working, but is not on the application, their income is not used to qualify for the loan.

The total gross income is used to calculate a number called debt-to-income ratio (DTI). There are two DTI numbers, housing ratio and total ratio. The housing ratio is the percentage of your income that will be used to pay your new mortgage payment plus taxes, homeowner’s insurance, and HOA fees. The total ratio is the amount of your gross income used to pay all of your debts including the new house payment. Generally speaking, VA requires a 60% or lower ratio, but any ratio above 50% requires strong factors to offset what is considered a high DTI.

All borrowers (except on Katy VA IRRRL refinances) will need to provide the most recent 2 years W2s. In addition, most borrowers will have to provide the most recent 2 years tax returns.

Active Duty military will have to provide their most recent monthly LES. Gross earnings are used, and 125% of BAH and BAS will be used.

Although in most cases, you must have a 2 year employment history to qualify for a Katy VA Loan, recently discharged Vets can qualify with less than 2 years with a signed letter from their employer stating their standing with the company, probability of advancement, and likelihood of being laid off. However, if you are receiving variable income such as commissions, generally you will need a 2 year history, despite recent military discharge. The exception is if you are doing the exact same job that you were trained to do, or did, while you were active.

Any variable income will need a 2 year history as the lender needs to verify stability and consistency. In most cases, you will have to provide 2 years of tax returns. In some rare cases, if you had a salary or hourly job doing the exact same thing previously, the lender may make an exception and allow for only 1 year history, but under 1 year is not acceptable.

The amount of the fixed income will have to be verified through documentation such as an award letter for the most recent year. In addition, you will need to document continuance of the income for at least 3 years beyond the closing date.

Child support and alimony will have to be verified through a court-stamped copy of your divorce decree and separation agreement. You will have to verify that the income will continue at that level for at least the next 3 years.

We are always available to answer your questions with honesty and straight-talk. We would be honored to assist you!

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