About Home Loans - VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms..

VA Home Loans

VA Home Loans.There are several Home Loan options through the VA for eligible veterans.Purchase Loans help you purchase a home at a competitive interest rate often without requiring a down payment or private mortgage insurance. Cash Out Refinance loans allow you to take cash out of yourhome equity to take care of concerns like paying off debt, fundingschool, or making home improvements..

Interest Rate Reduction Refinance Loan (IRRRL)

Interest Rate Reduction Refinance Loan (IRRRL): also called the Streamline Refinance Loan can help you obtain a lower interest rate by refinancing your existing VA loan.

Native American Direct Loan (NADL) Program

Native American Direct Loan (NADL) Program: helps eligible Native American Veterans finance the purchase, construction, or improvement of homes on Federal Trust Land, or reduce the interest rate on a VA loan.

Specially Adapted Housing (SAH) Grant

SAH grants help Veterans with certain service-connected disabilities live independently in a barrier-free environment. SAH grants can be used in one of the following ways:

  • Construct a specially adapted home on land to be acquired
  • Build a home on land already owned if it is suitable for specially adapted housing
  • Remodel an existing home if it can be made suitable for specially adapted housing
  • Apply the grant against the unpaid principal mortgage balance of an adapted home already acquired without the assistance of a VA grant
  • View and share VA's SHA infographic to help spread the word

Special Housing Adaptation (SHA) Grant

SHA grants help Veterans with certain service-connected disabilities adapt or purchase a home to accommodate the disability. You can use SHA grants in one of the following ways:

  • Adapt an existing home the Veteran or a family member already owns in which the Veteran lives
  • Adapt a home the Veteran or family member intends to purchase in which the Veteran will live
  • Help a Veteran purchase a home already adapted in which the Veteran will live

Texas Veterans Commission

Welcome to the Texas Veterans Commission - The Texas Veterans Commission was created in 1927 as the State Service Office to assist veterans of the Indian wars, Spanish-American War and World War I. Our purpose has always been to act as the state appointed advocate of Texas veterans as they attempt to secure the benefits rightfully earned in exchange for their service in our nation's armed forces.

We are able to do this through our four program areas:

  • Claims Representation and Counseling serves veterans, their dependents and survivors, in all matters pertaining to veterans' disability benefits and rights. It is the designated agency of the state of Texas to represent the State and its veterans before the U.S. Department of Veterans Affairs (VA).
  • Veterans Employment Services offers employment services to Texas veterans and helps employers find qualified veteran job applicants. The goal of these services is to match veteran job seekers with the best employment opportunities available.
  • Veterans Education Program (link)approves all programs for Chapter 30, 33, 35, 1606, and 1607 federal educational benefits. Through an approval process, the Texas Veterans Commission ensures that institutions and employers are in compliance with federal guidelines and are qualified to provide the type of training offered.
  • Texas Veterans Commission Fund for Veterans’ Assistance is a program that makes grants available to eligible charitable organizations, local government agencies, and Veterans Service Organizations that provide direct services to Texas veterans and their families.