Texas VA Loans
Home of the No Minimum Credit Score VA Loan Program
Zero down payment. Serving veterans and active military across all of Texas. Get pre-qualified today.
Zero down payment. Serving veterans and active military across all of Texas. Get pre-qualified today.
At Veteran MortgageOne, we believe that for all you and your family have sacrificed, you deserve to be seen as more than a number. Although you may have heard 580 or 620 credit scores associated with VA loans — we do not require a minimum credit score. As a direct lender, we have the flexibility and resources to look beyond your credit score and create a loan that fits your unique needs and timeline.
The Department of Veterans Affairs established a handbook which requires lenders to follow the guidance laid out in the pamphlet. Regardless of what you read online or what your friend or Realtor tells you, the VA handbook is the final decision.
Our team helps Military Veterans purchase a home, even if your credit score is below 580. We follow VA guidelines as written — with no lender overlays.
We consistently close loans that other lenders turn away because we don't rely on rigid credit score overlays. Our all-time lowest credit score approved for a VA loan is 447.
We follow VA guidelines as written. VA Pamphlet 26-7 Ch. 4: VA does not have a minimum credit score requirement.
The majority of our VA clients purchase their new home with zero cash to close, and get their deposit back at closing using the powerful benefits they've earned through their service, our exclusive loan program, and Realtor/lender credits.
Read about the No Minimum Credit Score in the VA Lenders Handbook. The VA's own guidance makes this possible.
Learn MoreFrom origination to closing, everything is handled under one roof — faster closings, fewer surprises.
We've built our process specifically for veterans, giving us a nuanced understanding of VA eligibility, residual income, and compensating factors.
"Me and my husband are both disabled vets and first time homeowners and we didn't experience any of the nightmares I have heard about in the home buying process. We closed on our home November 2024 and it still feels surreal how smooth the process went!"
Veterans and advocates who put your mission first — from application to closing.
With over 15 years serving veterans, Caleb leads with a passion for helping military families achieve the dream of homeownership. He personally oversees every client's experience from start to closing.
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Texas is home to 1M+ veterans and 15 major military installations. Whether you're active duty at Fort Hood (formerly Fort Cavazos), recently separated from Lackland AFB, or a veteran anywhere in the Lone Star State — Veteran MortgageOne is your lender.
We operate across all Texas markets: Dallas–Fort Worth, Houston, San Antonio, Austin, El Paso, Killeen, Corpus Christi, Waco, Lubbock, Amarillo, and every community in between.
Everything you need to know about VA loans and how Veteran MortgageOne works.
The Department of Veterans Affairs does not set a minimum credit score for VA loans. At Veteran MortgageOne, we have no minimum credit score requirement. We evaluate your full financial picture — including your last 12 months of payment history — rather than relying solely on a credit score number.
By following the guidelines as written by the VA with no lender overlays. In addition, we originate your loan in-house, from processing to closing and servicing. All of these services allow us to offer loans to veterans without taking credit scores into consideration.
While other lenders charge points or additional fees to veterans with a lower credit score, the cost for your home loan will be very similar to other veterans with high credit scores. Most of our clients purchase a home with no money out of pocket at closing.
Now that you understand the VA does not require a credit score, reach out to us. We will talk about your goals, timelines, and put together a customized mortgage game plan. We would be honored to serve you.
Because everything is handled in-house from processing to closing, we have been able to close in as little as two weeks in urgent situations. Speed and reliability are our specialty.
Yes — in many cases. VA guidelines are more flexible than conventional loans when it comes to past credit events. Many veterans qualify for a VA loan just 2 years after a Chapter 7 bankruptcy or foreclosure if they've maintained clean credit since. Our all-time lowest approved credit score for a VA loan is 447. Call us — the answer may surprise you.
We've streamlined the process so veterans spend less time on paperwork and more time finding their home.
Fill out our 3-minute form or call us. We are here to help.
⏱ 3 MinutesOur VA specialists work with your full financial picture to get you pre-approved so you can shop with confidence.
⏱ Peace of MindFind your home, and we handle the rest. Our experienced team guides you through closing.
⏱ State Wide Closings
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