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
Most Economists Are Not Expecting a 2008 Housing Crash and Here Is What Buyers Should Do Instead
The Question That Comes Up Constantly and the Honest Answer
Should you just wait for the housing market to crash before buying? It is one of the most common questions Jason Stier hears and it deserves a clear and honest answer grounded in what the current market actually shows rather than what the scary headlines suggest.
The short answer is that most economists are not expecting a repeat of 2008. But understanding why requires looking at what made 2008 what it was and why the current market does not share those characteristics.
Why 2008 Was Different and Why Today Is Not That
The 2008 housing crisis had specific and identifiable causes. Lending standards were dangerously loose and millions of buyers were placed into mortgages they could not realistically sustain. Home prices had been inflated by easy credit and speculative demand rather than genuine housing need. When those foundations gave way there was nothing structural underneath to support the market.
Today's market looks very different on every one of those dimensions. Homeowners have substantial equity built through years of appreciation and principal paydown. Foreclosure rates remain low. Lending standards have been significantly tighter since the qualified mortgage rules went into effect after 2008. And the fundamental supply problem driving prices in many markets is a genuine shortage of homes rather than speculative overbuilding.
What Could Actually Happen
As Jason Stier explains prices could level off in some markets. In areas where appreciation has run significantly ahead of income growth some softening is possible and has already happened in isolated markets.
What is not being projected by most economists is the kind of broad severe sustained price decline that would make waiting for a crash the winning strategy. The conditions that produced 2008 are not present in the same way and the structural shortage of housing supply in many markets creates ongoing demand pressure that did not exist in the run-up to the last crisis.
The Real Cost of Waiting for Something That May Not Come
Waiting for a massive crash that may never arrive has a compounding cost that buyers tend to underestimate when they make the decision to wait.
Every month of waiting is a month of equity not building. Every month of appreciation that happens without ownership is wealth accumulating for someone else. And if rates improve during the waiting period demand returns with them. More buyers competing for the same limited inventory pushes prices back up and the negotiating leverage that exists in a quieter market disappears exactly when the buyers who have been waiting finally decide to act.
What the Smartest Move Actually Is
Trying to perfectly time the market is not a reliable strategy for most buyers. The smartest move is buying when you are financially ready and finding the right strategy for your specific situation given what the current market actually offers.
Jason Stier works with buyers to evaluate their specific financial readiness and to build a purchasing strategy that makes sense for where the market is rather than where buyers hope it will be. Reach out to Jason Stier to find out what the right move looks like for your situation right now.
Sources
NAR.realtor
MortgageNewsDaily.com
FederalReserve.gov
ConsumerFinancialProtectionBureau.gov
Investopedia.com
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