VA Home Loan Guidance for Veterans, Active Duty Military, and Their Families
From eligibility to closing, get expert VA loan guidance designed to help you use the benefits you earned.
Meet The VA Loan Boss
With over 21 years of experience in the mortgage industry, Jason Stier has built a reputation as a trusted, knowledgeable, and approachable loan officer who goes above and beyond for his clients. Known as the “VA Loan Boss,” Jason combines expertise with a deep passion for serving Veterans, military members, and their families through Veteran Community Mortgage. His mission? To ensure those who’ve served our country can navigate the path to homeownership with confidence and ease.
Jason’s years in the industry have sharpened his greatest skills: expert communication, problem-solving, and the ability to simplify complex financial processes. Whether breaking down the nuances of VA loan benefits or navigating challenging credit situations, Jason excels at turning what can feel overwhelming into an empowering experience.
When Jason isn't helping Veterans achieve their homeownership goals, he enjoys spending quality time with my family, traveling, and staying active through golf and pickleball. He's also passionate about connecting with and supporting Veteran-focused charities and organizations that make a positive impact in the lives of those who have served our country. Giving back to the Veteran community is something he values deeply, both professionally and personally.
The VA Home Loan Process
Mortgage Pre-Approval
Get pre-approved from me to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Texas.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
More Homes Are Hitting the Market and Buyers Have Real Leverage They Have Not Had in Years
The Market Shift That Buyers Who Have Been Waiting Need to Hear About
There is genuinely good news in the housing market right now and it is the kind of development that buyers who have been sitting on the sidelines waiting for conditions to improve have been hoping for.
More homes are hitting the market. Inventory has been building and buyers now have more options available to them than they have had in years. That single change in the supply picture has downstream effects on every part of the buying experience in ways that make right now meaningfully different from the environment that discouraged so many buyers from even trying.
What Rising Inventory Is Actually Producing
When inventory is tight sellers have all the leverage. Every listing generates competition and sellers have no reason to offer anything beyond the highest available price. Buyers who could not come in above asking with clean terms and waived contingencies simply did not win.
As inventory grows that dynamic shifts. Sellers who are not generating the immediate interest they expected start making adjustments. Price reductions on homes that have been sitting longer than anticipated. Willingness to negotiate on closing costs that reduces the cash required at closing. Seller-funded repairs that address inspection findings rather than refusing to budge. Rate buydowns funded by seller contributions that lower the monthly payment and make the financing work better for the buyer.
As Jason Stier explains this does not mean it is suddenly a buyer's market everywhere. The shift is not uniform across every market or every price point. But the direction of change is clearly toward more buyer leverage than has existed in a very long time and that shift is real and meaningful.
Who This Matters Most For
Buyers who stepped back because they felt like they simply could not compete in the market of the past few years are the ones most worth reaching. The conditions that made buying feel impossible or financially unreasonable have changed. Not completely and not everywhere but enough that taking another look at what is available and what a transaction might actually look like today is worth the conversation.
The market is starting to create opportunities again. Buyers who re-engage now are doing so before the next wave of buyers comes off the sidelines when rates improve which is when the inventory advantage and the negotiating leverage that exists today is most likely to disappear.
Jason Stier works with buyers to evaluate the current opportunity in their specific market and price range and to build a purchasing strategy that captures the leverage that is available right now. Reach out to Jason Stier to find out what the market looks like for your situation today.
Sources
NAR.realtor
MortgageNewsDaily.com
Realtor.com
ConsumerFinancialProtectionBureau.gov
Zillow.com
Mortgage Calculator
See your total mortgage payments using the tool below.
| Year | Interest | Principal | Balance |
|---|
