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Austin VA Home Loans & Refinancing

A VA home loan greatly benefits military personnel during and after their service. Fortunately, Joel Richardson, the VeraBank SVP of the Central Texas Mortgage division, has an MBA and over 20 years of finance experience. Therefore, he understands the importance of a “home base” for military members and their families. Furthermore, he is proud to be able to help active and retired military use this product to meet their unique needs.

First, VA home loans are partly guaranteed (typically a quarter of loan value) by the U.S. Department of Veterans Affairs. Moreover, these loans offer the following advantages:

No down payment ¹
Higher loan value
No private mortgage insurance
Limit on closing costs
Option for seller to pay closing costs
No penalty fee for early payoffs
Possible VA assistance if you have difficulty with payments

Joel Richardson and his Austin team are honored to have assisted many Texas Veterans and Veterans nationwide. Consequently, as an accredited Veterans Advocacy & Benefits Association (VABA) member, Joel considers it a privilege to help veterans.

Their dedication to helping each borrower find the home loan solution tailored to their needs allows his team to help Veterans in every situation. Are you on active duty deployed overseas? Are you returning home? Joel and his team are happy to help you! Joel and his team are experienced and knowledgeable regarding the Texas Veteran Land Board (VLB) and the nationwide V.A. Loan programs. Therefore, they will pay detailed attention and efficiently deliver the home financing each Veteran needs.

Down payment waiver is based on V.A. eligibility.

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AVAILABLE VA LOAN PROGRAMS

Home Purchase

We have several programs that provide low down payment or no down payment options. For that reason, buying a home may be more affordable than you think.

VA Home Loan Refinance

Existing homeowners with conventional, FHA, USDA and or other programs may be eligible to refinance. Veterans count on us for assistance to evaluate whether it’s time to improve their interest rate and payment with their existing VA benefits.

Remodel/Renovation Loans

Currently, the VA does not offer a renovation loan. Please contact us to discuss your specific home renovation project and we will help you find the right program to fit your needs.

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VA Loan Eligibility

Wondering if you are eligible? To benefit from VA loans, applicants must obtain a certificate of eligibility from the Department of Veterans Affairs. Then, once certified, VA members can apply to use the guaranty for financing or refinancing options such as:

Purchase or build a new home
Buy a condominium or duplex
Purchase and improve a new home
Refinance an existing home loan
Install energy improvements

Qualified service members have received an honorable discharge from an eligible branch of the service, including the U.S. Army, Navy, Air Force, Marines, Coast Guard, Nat. Guard and Reserve and US. Military academies. Read our Austin VA Loan Eligibility FAQs for more information.

Types of VA Loans

There is a VA loan to fit your needs:

Fixed Rate Home Loan
Adjustable-Rate Mortgages
Jumbo Home Loan
Cash-out Refinance Loans
Interest Rate Reduction Refinance Loan (IRRRL)

Consistently rated with five-star service as a leading lender locally and nationwide, Veterans can trust Joel Richardson and his team to provide prompt, reliable, and trustworthy service to find the best Texas VA or VA home loan option to fit their needs. Get started on your VA loan today by connecting with Joel with an easy online form or a quick phone call. Joel’s team can walk you through the qualification process*.

(*All loans are subject to credit approval. A qualification is not an approval of credit and does not signify that underwriting requirements have been met. Conditions and restrictions may apply.)

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Veteran Affairs Loans GET STARTED TODAY