American flag waving near a home
VA Loan Resource Center

VA Loan Guides for Military Homebuyers

Use this hub to compare VA purchase, VA IRRRL, VA cash-out refinance, funding fee, eligibility, calculators, and local VA loan guides.

Soft credit pre-qualification
No monthly PMI on VA loans
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VA IRRRLFHA StreamlineConventional RefiHELOCJumbo RefiReverse Mortgage2nd MortgageVA LoanFHA LoanConventionalJumboUSDADown Payment AssistanceConstructionManufactured HomeLand LoanRenovationDSCRFix & FlipBank StatementAsset DepletionP&L1099BridgePortfolioITINForeign NationalVA IRRRLFHA StreamlineConventional RefiHELOCJumbo RefiReverse Mortgage2nd MortgageVA LoanFHA LoanConventionalJumboUSDADown Payment AssistanceConstructionManufactured HomeLand LoanRenovationDSCRFix & FlipBank StatementAsset DepletionP&L1099BridgePortfolioITINForeign National

The VA loan page for people who want straight answers before they apply.

VA lending has real advantages, but the details matter: entitlement, occupancy, funding fee status, refinance type, property rules, credit, income, and timing. This hub breaks the path into practical guides so you can move from research to a real plan.

VA loan basics, organized by the questions borrowers actually ask.

These are the national VA resource articles planned for the first VA content cluster. The hub is live first; individual articles come next after review.

Basics

VA Loan Basics

Eligibility, entitlement, reuse, credit history, and property use rules in plain English.

VA Funding Fee

The funding fee depends on use type, down payment, and exemption status. Disability compensation and certain other statuses may remove the fee completely.

Cash-out funding fee guide →

VA Eligibility

Eligibility usually starts with service history, but final approval also depends on credit, income, occupancy, property condition, and underwriting.

Eligibility and COE guide Planned

Run rough VA numbers before you talk to a loan officer.

These tools are starting points, not approval engines. Use them to frame the conversation, then let a VA loan specialist check the actual guidelines and pricing.

VA payment calculator

Estimate payment, taxes, insurance, and funding fee impact on a VA purchase or refinance.

Open calculator →

VA IRRRL calculator

Compare a current VA payment against a possible streamline refinance scenario.

Open calculator →

Cash-out review

Use the VA page to start a cash-out scenario, then request a real quote before making debt decisions.

Review options →

Local VA loan guides are next in the build order.

San Antonio is first for review. After that, the remaining VA city hubs get built from the approved template.

Texas

VA Loans in San Antonio

Military-heavy market guide covering local VA purchase and refinance considerations.

San Antonio guide →
Virginia

VA Loans in Virginia Beach

Hampton Roads area guide for active-duty, veteran, and PCS-related VA borrowers.

Virginia Beach guide →
Florida

VA Loans in Jacksonville

Northeast Florida VA market guide for purchase and refinance scenarios.

Jacksonville guide →
Texas

VA Loans in Killeen

Fort Cavazos area VA loan guide for buyers, homeowners, and relocating service members.

Killeen guide →
California

VA Loans in San Diego

Southern California VA market guide for high-cost and military relocation scenarios.

San Diego guide →
Colorado

VA Loans in Colorado Springs

Front Range VA loan guide for purchase, refinance, and PCS planning.

Colorado Springs guide →

VA loan questions we expect this hub to answer.

The detailed articles will go deeper, but these are the common first-pass answers.

No. The existing VA loan page remains the main product page. This hub organizes the VA content cluster and links to deeper guides.
Many eligible VA borrowers can buy with no down payment, but approval still depends on entitlement, credit, income, occupancy, property eligibility, and underwriting.
A VA IRRRL is a streamline refinance for an existing VA loan. A VA cash-out refinance can be used to refinance other loan types into a VA loan and may allow equity access when eligible.
No. If you have it, bring it. If you do not, Texana can help request or verify the COE during the loan process.
This is the first organic VA page being reviewed locally. After approval, the San Antonio city hub and the detailed VA resource articles get built from this structure.

Ready to turn VA research into a real loan plan?

Start with a soft-credit conversation, compare the right VA path, and avoid guessing on eligibility, funding fee, and refinance structure.

What borrowers say about Texana Bank

Real reviews from real borrowers, pulled live from our Google Business Profile.

5.0★★★★★
110 Google reviewsRead all on Google →
Carson Romero

My experience with Lynette was the best and easiest experience it could’ve possibly been when being a first time home buyer. She’s very kind, communicative, reliable, and so much more! It made the whole process that much less stressful and overwhelming. So blessed to have had her on my side!

Zane Atkins

Parker McMahan has helped us with 3 mortgages and a refi in part few years. Always great service-always honest advice. Texana will be my “go to” for mortgage advice and activity from here on. They are also great in the area of VA home loans.

Gary McDay

I had an excellent experience working with my texana bank mortgage from start to finish. They were extremely professional, knowledgeable, responsive, and made the entire mortgage process feel much easier than I expected. They took the time to explain everything clearly, answered all of my questions, and kept me informed throughout the entire process. I always felt like I had someone in my corner who genuinely cared about helping me reach my goals. If you’re looking for a mortgage broker who is trustworthy, dependable, and willing to go the extra mile for their clients, I highly recommend them. I truly appreciate all of their hard work and would definitely work with them again!

Kent Sisco

Adam McCormick is fantastic! Easy to work with and keep me informed every step of the way! Looking forward to working with him again in the future

Andrea Ferrell

Adam was phenomenal from start to finish! He was friendly and professional. He assisted me every step of the way, walking me through the process with ease. He was always there for whatever questions I had. He was very, very patient and always reached out to me in a timely manner if I contacted him and he was unavailable at the time. Moreover, he made me feel as if he cared for more than just my loan, but me as a person!!! Texana is blessed to have him as an associate!! Andrea

Clay Ragsdale

Where to really start. Adam walked me through everything and put me at ease. I have had some bad experiences with other companies so I was digging and looking for any red flag. There was none with him and his direct talk is what did it for me. Someone that is real and just says what it is. No false hope or misdirection at anytime. I would recommend him to anyone and definitely Someone looking for honesty and caring. The communication is top notch and a true professional. Respectfully, Clay

Belvia Lynn

My overall experience while working with Adam McCormick was excellent. He was very pleasant and professional.

Joseph Hardman

Adam McCormick is an absolute professional in every sense of the word. I will NEVER use any other loan officer for my financials other than Adam as long as he is in the business. His work as my loan officer was exceptional. Throughout the process, he always responded to an e-mail, responded to a text, called right back if not answering immediately. He always made you feel as though you were his only client. There was never the impression he had more important things to do other than speak with you. He worked with us through a death in the family, personal issues, and numerous other challenges. It's possible other loan officers would have given up on us during this process, but Adam stuck with us through it all. His work ethic is amazing. He is an expert in his craft. I could not possibly give a higher recommendation, he has redefined what right looks like in this business.

Marsha Kessler-Bradshaw

I was about to go with another company for this refinance no cash out until I received a call from this Adam McCormick. He was so knowledgeable and made me feel very comfortable with this process. Adam is knowledgeable ,courteous, understanding and has a real passion and patience for people. 👍We are at the closing. Thank you Adam McCormick!!

Peter Jenkins

My situation had its difficulties. Justin was confident and persistent through the process and we the got the result

Dale Samuel

Mark has been very professional and has been very respectful to my wife and myself. Mark has shown that genuine human qualities and really worked with us and for us. This actually been a pleasure to get to know Mark.

James Fields

Outstanding Service and support from a truly Customer Oriented Agent! My pleasure to have worked with Mr. MCcormick.! Would follow him to next source if necessary. He is concerned in an outstanding balanced way. My pleasure to?know and do Business with him and The Bank! JFields

Rose Stone-Stewart

Texana Bank was there for us throughout the entire process. Their personableness, as well, their professionalism. As a financial institution it was nice to know that while obtaining a loan, we had a safe place to relay. They are absolutely “by the book” and at the same time makes the process easier to participate. The hospitality and genuine concern as clients was overwhelming of which we will always consider Texana Bank first, before mostly any other financial institution.

Mitchell Morris

Greg was awesome and the process was simple. I have nothing but the highest praise for the process and for Greg himself. Thank you.

Ronald Bylsma

Best refi experience of our lives, Andre was very knowledgeable and always kept us calm when things got stressful. Would recommend Mr. Andre Floyd to anyone looking for a great lending officer!

Dejan Jajcevic

I’ve worked with mini bankers before and I used to do them over a decade ago myself and my experience that I had with Chad was nothing short of phenomenal. He is a wonderful Banker does a very diligent job and did not miss any moments of reassuring me where my loan was and closing I couldn’t say enough good things about him and I hope if I ever need to go through this stressful process again he is still in business to take care of me

James Reaves

Adam is awesome super friendly easy to work with always aware of what’s going on and keeps you informed which is great.

Lesli Hopkins

Lynette is absolutely awesome to work with! She takes the time to make you comfortable with the process and answers any questions completely and accurately