Use Your VA Loan Benefits to Buy or Refinance a Home

Use your VA loan benefits to secure zero down financing, competitive VA mortgage rates, and lower upfront costs. Whether you’re buying your first home or refinancing, we guide veterans every step of the way.

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VA Free Guide

Why VA LOANS

Different

Your VA Benefits Deserve Expert Guidance

At Highpoint Mortgage, we specialize in VA home loans designed specifically for those who have served. VA loans offer powerful financial advantages — including zero down payment, reduced closing costs, and no monthly mortgage insurance — making homeownership more accessible and affordable.

Unlike conventional loans, VA loans are backed by the U.S. Department of Veterans Affairs, giving qualified borrowers access to:

100% Financing
Lower Average Interest Rates
Flexible Credit Guidelines
Limited Closing Costs
No Prepayment Penalties
No Private Mortgage Insurance (PMI)

Our VA mortgage specialists ensure your benefits are maximized while making the process clear, transparent, and stress-free.

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WHO QUALIFIES FOR A TEXAS VA LOAN?

Active Duty Military

Service members currently serving on full-time active duty may be eligible after meeting minimum service requirements.

Texas Veteran

Veterans who were honorably discharged and meet the required length-of-service guidelines may qualify for VA home loan benefits.

National Guard or Reserve Member

Current or former members of the National Guard or Reserves may be eligible after completing the required service period.

Eligible Surviving Spouse

Unmarried surviving spouses of service members who died in the line of duty or as a result of a service-related disability may qualify for VA loan benefits.

Service Members with Service-Connected Disabilities

Veterans receiving disability compensation remain fully eligible and may also qualify for exemption from the VA funding fee.

Why VA Loans Are a Smart Choice in Texas

VA home loans offer advantages that traditional financing simply can’t match:

100% Financing – Buy a home in Texas with zero down payment
No Private Mortgage Insurance (PMI) – Save hundreds per month
Lower Average Interest Rates – Often below conventional loan rates
Flexible Credit Guidelines – Designed to support service members
Limited Closing Costs – VA protections built in

Whether you're purchasing in Houston, Dallas, San Antonio, Austin, Fort Worth, or anywhere across Texas — we’ve got you covered.

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Know Your Numbers Before You Buy

We provide powerful online tools so you can make confident decisions:

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You’ve Served Your Country—Now Let Your Benefits Serve You.

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Use Your VA Loan Benefits to Buy or Refinance a Home

Why VA LOANS

Different

WHO QUALIFIES FOR A TEXAS VA LOAN?

Active Duty Military

Texas Veteran

National Guard or Reserve Member

Eligible Surviving Spouse

Service Members with Service-Connected Disabilities

Why VA Loans Are a Smart Choice in Texas

Know Your Numbers Before You Buy

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You’ve Served Your Country—Now Let Your Benefits Serve You.