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
There Is No Such Thing as Timing the Housing Market and Here Is What Actually Works Instead
The Hard Truth About Waiting for the Perfect Moment
Are you still renting while you wait for the perfect moment to jump into the housing market? A lot of people are in exactly that position right now and the thinking behind it feels reasonable. Wait for rates to drop. Wait for prices to shift. Wait for whatever the next headline says is about to happen.
Here is the hard truth. There is no such thing as timing the market. There is only time in the market. And every month you spend waiting is a month of equity growth that could have been in your pocket but is not.
What Waiting Is Actually Costing You
While you are waiting for rates to drop or prices to fall or conditions to feel more comfortable you are paying someone else's mortgage. Your rent check is funding your landlord's equity building not yours. The wealth that homeownership would have been creating on your behalf every single month is going somewhere. It is just going to someone else.
Being stuck on pause trying to perfectly time this market is a losing strategy. The market does not cooperate with the schedule people decide on while they wait and the months and years that pass in the meantime represent real equity growth that is simply gone.
Why the Current Market Is Actually Full of Opportunity
As Jason Stier explains yes things have cooled down from the frenzy of a couple years ago. But that cooling is not a reason to wait. That cooling is leverage.
Two or three years ago when the market was running hot buyers were waiving inspections, skipping contingencies, and offering tens of thousands over asking price just to have a shot at a home. Seller credits did not exist in that environment. Price reductions did not happen. Rate buydowns were not on the table. Sellers had no reason to offer anything because the competition among buyers made everything they wanted to hold firm on completely sustainable.
That market is gone. Today buyers can negotiate seller credits that buy down the rate and lower the monthly payment. They can negotiate price reductions on homes that have been sitting. They can structure offers with contingencies that protect them rather than waiving every protection just to be competitive. That is real financial benefit that was simply unavailable during the peak and it is available right now to buyers who know how to use it.
What to Focus on Instead of Perfect Market Conditions
Stop hoping for the perfect market. There is no such thing and waiting for it is not a strategy. It is a delay with a real cost attached to it every single month.
Start focusing on the deal you can control today. The negotiating leverage that exists right now. The seller credits and rate buydown opportunities that are on the table in ways they were not two years ago. The equity that starts building the day you close rather than a future day that may look remarkably similar to today by the time it arrives.
If you are ready to stop renting and start owning reach out to Jason Stier to set up a pre-purchase mortgage strategy session. He will get to the bottom of what your options actually look like and help you build a strategy around the deal you can control rather than the market conditions you cannot.
Sources
NAR.realtor
MortgageNewsDaily.com
ConsumerFinancialProtectionBureau.gov
Investopedia.com
BankRate.com
Mortgage Calculator
See your total mortgage payments using the tool below.
| Year | Interest | Principal | Balance |
|---|
