VA Loans in Lewisville, TX
VA loans are a powerful home loan option for eligible veterans, active-duty service members, and qualifying spouses. Liberty Home Mortgage helps you understand VA loan steps clearly and guides you through the process with simple checklists and compliant support, subject to program guidelines.
We proudly serve Lewisville (75056), Denton County, and eligible VA borrowers across Texas.
If you want help comparing VA loan benefits with other programs, working with a trusted Lewisville mortgage broker can make the process easier from pre-approval to closing.
Apply Now • 📞 Phone & Text: 713-955-4685 • ✉️ info@libertyhomemortgage.com • 🌐 www.libertyhomemortgage.com
What Is a VA Loan?
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs. VA backing helps lenders offer benefits that may include competitive terms and lower out-of-pocket costs for eligible borrowers. Eligibility rules, property requirements, and underwriting guidelines apply.
What VA Loans Can Be Used For
• VA Purchase: Buy a primary residence (VA rules apply)
• VA Refinance (IRRRL): A streamline refinance for existing VA loans in eligible situations (VA rules apply)
• VA Cash-Out Refinance: In certain scenarios, refinance or access equity using a VA loan structure (program dependent)
Helpful page: VA Refinance Loans in Texas
Basic VA Eligibility (Simple Overview)
VA eligibility is based on military service history and VA rules. Lenders also review credit, income, and ability to repay. All loans are subject to underwriting approval.
• VA entitlement and eligibility requirements apply
• Primary residence occupancy is typically required
• Credit and income review apply
• Appraisal and property standards apply
VA Funding Fee and Closing Costs
Many VA loans include a VA funding fee, but the amount can vary based on the transaction type and prior VA usage. Some borrowers may be exempt depending on VA eligibility rules. We explain what applies before you move forward, subject to program guidelines.
VA Loan Steps (Easy Checklist)
• Quick call or application: Tell us your goal (purchase or refinance) and timeline
• Eligibility review: We confirm basics and explain required documents (program dependent)
• Pre-approval: We review income, credit, and confirm next steps
• Home shopping and contract: We guide you after you are under contract
• Underwriting and closing: We help clear conditions and close with clear updates
VA vs Other Loan Options
VA is not the only option. Depending on your goals, down payment, and property type, you may also compare:
• Conventional loans (program rules apply)
• FHA loans (program rules apply)
• USDA loans for eligible areas and income limits (program rules apply)
• Mortgage refinance options for homeowners (program dependent)
When a Portfolio Loan May Be a Better Fit
Some borrowers have strong real-world income but do not fit standard agency or government guidelines, or the property scenario needs more flexibility. In those cases, a Portfolio Loan may be an option to review, depending on eligibility and documentation.
VA Loan FAQs
Do VA loans require a down payment?
Many VA purchase loans allow eligible borrowers to buy with low out-of-pocket costs. Exact requirements depend on the scenario and VA rules.
What is a VA IRRRL?
A VA IRRRL is a streamline refinance option for existing VA loans in eligible situations. VA rules and lender guidelines apply.
Do I need a Certificate of Eligibility (COE)?
Yes. A COE is used to confirm VA eligibility. We help you understand what is needed to document eligibility.
How long does a VA loan take?
Timelines vary based on contract terms, appraisal, documentation, and underwriting conditions. Many VA loans close on a typical mortgage timeline.
What documents will I need?
Most VA loans require income and asset documentation along with eligibility-related items. We provide a simple checklist after a quick review.
Get a VA Loan Quote
Tell us what you want to do (purchase, IRRRL, or refinance) and where the property is located. We will explain your VA options step by step and provide a clear checklist.
📍 Lewisville, TX 75056
📞 Phone & Text: 713-955-4685
✉️ info@libertyhomemortgage.com
🌐 www.libertyhomemortgage.com
Apply Now
Equal Housing Lender 🏠⚖️
Company NMLS: 321164 • Aslam Mansoor NMLS: 184238
Liberty Home Mortgage • 4400 State Hwy 121 STE 300 • Lewisville, TX 75056
All loans are subject to underwriting approval and credit review. Programs, rates, and terms are subject to change without notice.