Service Member · Texas
Military & VA Buyer in Texas
Active duty, veteran, or surviving spouse buying in Texas? Use your VA benefit — VA loans for eligible veterans, with no monthly PMI.
Common challenges we solve
- Confusion around VA entitlement and funding fee
- PCS orders forcing a fast close
- Wanting to keep current home as a VA rental
- Sellers unfamiliar with VA appraisal requirements
What you get with Lumos
For eligible veterans
No monthly PMI on VA loans
Bonus entitlement for multiple VA loans
What's different in Texas
Texas provides property-tax exemptions for disabled veterans, including a full homestead exemption for veterans rated 100% disabled or unemployable by the VA — the county appraisal district confirms eligibility. Texas veterans may also look at the Texas Veterans Land Board (VLB) home loan program alongside a VA loan.
Loan programs that typically fit
Frequently asked
- Can I have two VA loans at once?
- Yes — bonus entitlement allows a second VA loan when you PCS or upgrade.
- Is the funding fee waived?
- It's waived for service-connected disability and surviving spouses.
- Will sellers accept a VA offer?
- We coach your agent on positioning so VA offers are competitive against cash and conventional.
Related pages
Get qualified in 60 seconds →Local guide: VA Loans in San Antonio, TXLocal guide: VA Loans in El Paso, TXMilitary & VA Buyer in FloridaDownsizing in TexasUpsizing — Growing Family in TexasHigher-Ed Graduate / New Professional in TexasHouston, Texas Mortgage BrokerSugar Land, Texas Mortgage BrokerThe Woodlands, Texas Mortgage Broker
