Mon - Fri 10:00 am - 7:30 pm / Sat Appointment Only

VA Loan Program:

The best financing benefits and easiest access to housing for our Heroes

U.S. Department of Veterans Affairs

VA Mortgage loans can be guaranteed with no money down and there is no private mortgage insurance requirement. An exclusive benefit for active-duty military personnel, veterans and their families.

 

Our number one mortgage loan program and our highest dedication are owed to America’s Heroes. Our Veterans and Military Active-Duty Personnel residing in Texas receive red carpet treatment thru our standard VA Loan Programs, VA JUMBO Loan Programs, and our custom VA Mortgage Loans for bad credit.

Clear Lending is in contact with the Houston Regional Loan Center from the Department of Veteran Affairs receiving updated guidelines affecting the insurability and thus the approval of all VA mortgage loan programs.

Our VA mortgage loan programs allow us to secure financing starting with 500+ credit scores as well as assist in the search of the perfect house. However, one of the main requirements from our applicants’ credit reports history is that none of the agencies whether Experian, Transunion or Equifax report late payments over 30 days within the last 12 months. On a case-by-case basis, we may be able to still approve loans regardless of late payments within the last 12 months as long as the borrower can document specific reasons other than financial mismanagement.

For those applicants with credit challenges such as unpaid collection accounts, old unpaid debts or home loan foreclosure (or deed-in-lieu of foreclosure) in an applicant’s or spouse’s credit history does not in itself disqualify the loan. Please let us analyze your credit in-depth and work your options even if a major bank or financial institution has denied your loan.

At Clear Lending, we are proud of having served hundreds of VA loans as well as negotiated the purchase transaction details helping VA applicants’ close homes with very little or no closing costs. For instance, a recent close of a 3,000+ sq. ft. and 10-acre lot property required a VA Jumbo Loan of over $453,100 (update - For 2019 limit is $484,350) and only required $3,350 at closing. This is one of the reasons why Clear Lending is one of the leading VA lenders in Texas with the best interest rates specializing in VA loans for bad credit.

We help veterans obtain the Certificate of Eligibility (COE) which is the only reliable Proof of Eligibility to be able to close the loan. Although eligible for the home loan benefit, veterans must still qualify based on income and credit before loan approval is granted. The great news is the debt to income ratios can go to 60% if other conditions apply.

Furthermore, if you have student loans and its repayments are deferred for a period over 12+ months don’t need to be considered in the analysis for qualification giving greater flexibility and chances for approval. Don't worry and let us analyze your loan options.

Get today's lowest mortgages rates...

Features and Benefits: 

• 10, 15, 20, 25 or 30-year fixed-rate mortgage.
• 3- or 5-year adjustable-rate mortgage.
• No down payment per VA county limit.
• Seller assistance may be possible to even 4% of sales price.
• Low minimum credit score of 500.
• Cash-out refinances available.

Get today's lowest mortgages rates...

Eligible Properties:

• 1- to 4-unit property.
• PUDs.
• Condominiums.
• Manufactured homes (refinances of currently serviced loans only).

Grab the Opportunity to Use VA Loan Programs in Houston

Whether you are considering purchasing or refinancing an existing VA mortgage loan, Clear Lending can help you. Simply complete our secure and encrypted Pre-Approval Form online and we will contact you right away to review the best options for you regarding VA loan programs in Houston.

Not all applicants will qualify. This advertisement is not an offer for an extension of credit. Please meet with a licensed loan originator for more information as programs are available only to qualified borrowers. Programs rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to underwriting guidelines and program guidelines and are subject to change without notice. Some restrictions may apply.

Customers Reviews:

  • Beverly Evans • January 28, 2014

    Hi Joan,
    Words cannot express how appreciative I was for all your help in getting me my dream home. I was very impressed with your professionalism and your sincere concern in doing whatever possible to help me get into my home. Since I was retired and on a lesser income it was a challenge for you to get my loan approved. You never gave up and you convinced me not to give up either. Because of you I am in my new home and extremely happy and appreciative for you. I will recommend you to anyone needing to buy a home.
    Thank you very much, and God Bless you Beverly


  • Nicole Elizabeth • June 05, 2015

    Joan was amazing! After being let down by Chase mortgage company, Joan and his team picked up the pieces and helped me out tremendously! I would recommend going through him for loans instead of a big commercial bank. No matter what time of day; he would answer any questions or reached out to me about any concerns. He is with you and the realtor every step of the way to help get you a home. Very passionate about helping clients get a home! I would like to thank Joan and his team for helping me get my first home! Y'all made the home buying process easy for me! Thank you again. I love my home.

  • Daniel Guerrero • August 05, 2014

    Joan,

    I would like to take a few minutes to thank you and your team. Although we had some unforeseen issues and it was a bit rocky your team stayed focused on the task at hand. Thank you for all that you did. We officially completed the closing.

    Best Regards,

    Daniel Guerrero

Get Your Very Latest Rate Quote Now!

If CELL Phone number is not valid we will not email your Quote