The second-largest U.S. Army installation, spanning Texas and New Mexico and home to the 1st Armored Division. We offer VA loans with no minimum credit score and zero down payment for Fort Bliss soldiers and families.
The VA sets no minimum — and neither do we.
VA Guidelines As Written
While most lenders add 620+ credit score overlays, we follow the VA handbook exactly as written — focusing on your residual income, payment history, and overall financial health. We've approved veterans with scores below 500.
Pull your COE and get pre-approved using your gaining-station BAH from your orders — before you ever set foot in El Paso.
Go under contract with an El Paso-savvy agent who knows VA Minimum Property Requirements near the Cassidy or Biggs gates.
Appraisal completes and underwriting clears — VA appraisals run 10-14 days in El Paso, so we plan ahead instead of scrambling.
We work to close on or before your report date so you're not paying for temporary lodging and a mortgage at once.
Settle in near Fort Bliss with $0 out of pocket and your BAH going toward equity instead of rent.
We aren't just another mortgage company. We are the only lender in Texas that follows the VA handbook as written — no credit score overlays, no unnecessary barriers, no wasted time.
Join Fort Bliss soldiers and families who used their benefit to buy a home in the El Paso area — with $0 down and no minimum credit score.
Get Your Fort Bliss VA Approval Today ★Or call us directly
254-AVA-LOAN (254-282-5626)