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
The 50 Year Mortgage Is Not Available Yet and Here Is What Buyers Should Be Thinking About Instead
The Headline That Is Generating Questions and the Honest Answer
You have probably seen the headlines about a possible 50-year mortgage and wondered whether it is finally available and whether it might be the solution to the affordability challenge that has been keeping buyers on the sidelines.
The answer right now is no. The 50-year mortgage has been discussed as a concept and floated as a potential policy tool for addressing housing affordability. It is not an available mortgage product today and buyers cannot choose it regardless of how appealing the lower payment sounds in theory.
What a 50-Year Mortgage Would Actually Mean
The appeal of the concept is straightforward. Stretching a loan over 50 years instead of 30 years reduces the monthly principal and interest payment because the same balance is being repaid over a longer period. In a rate environment where affordability has been a significant challenge for buyers that payment reduction sounds attractive.
The tradeoffs are significant and worth understanding clearly before the product becomes available and generates more serious consideration.
Extending the loan term to 50 years means paying interest for an additional 20 years compared to a standard 30-year mortgage. The total interest cost over the life of the loan would be substantially higher than what a 30-year loan at the same rate would produce. Equity builds considerably more slowly as well because a larger portion of each payment is going toward interest rather than principal in the early decades of the loan.
As Jason Stier explains the monthly payment would be lower but the long-term cost of that lower payment is significant and the equity position at any given point in the loan would lag considerably behind what a conventional 30-year mortgage would produce.
What to Focus on Instead
Rather than waiting for a product that does not yet exist or spending energy on headlines about mortgage structures that are not available today the more productive conversation is about the loan options that are actually available and which one fits your specific financial goals best.
Rate buydowns that lower the effective rate and monthly payment in the early years of the loan. Seller-paid contributions toward closing costs that reduce cash at closing. Adjustable rate products with lower initial rates for buyers with shorter anticipated hold periods. Down payment assistance programs that improve the affordability picture for qualifying buyers. These are real tools available in the current market that can address affordability in meaningful and practical ways without requiring a product that exists only in policy discussions.
Jason Stier works with buyers to identify which available loan options fit their situation and financial goals and to focus on what is actually achievable in the current market rather than waiting on products and conditions that do not yet exist. Reach out to Jason Stier to have that conversation about what your options actually look like right now.
Sources
MortgageNewsDaily.com
ConsumerFinancialProtectionBureau.gov
FannieMae.com
Investopedia.com
BankRate.com
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