From the historic Route 66 to the Palo Duro Canyon — Amarillo is home to thousands of veterans across the Texas Panhandle. We offer VA loans with no minimum credit score and zero down payment VA loans across the Amarillo metro area.
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 Certificate of Eligibility instantly via our direct VA link.
Our no-overlay pre-approval makes you competitive in the Amarillo market.
Realtors who know VA Minimum Property Requirements.
Sellers cover closing costs — $0 out of pocket.
Fast closing — no national bank delays.
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 thousands of Texas Panhandle veterans who used their benefit to buy a home in the Amarillo area — with $0 down and no minimum credit score.
Get Your Amarillo VA Approval Today ★Or call us directly
254-AVA-LOAN (254-282-5626)