VA Home Loans in Houston and Pearland

If you served, your VA home loan benefit is one of the best ways to buy a home in the Houston area. You can often buy with no down payment and no mortgage insurance. My City Homes Realty helps veterans, service members and military families buy in Pearland, Pasadena, southeast Houston and the Clear Lake area, including families connected to Ellington Field.

Talk to us about buying with your VA loan or call 713-996-9755. Se habla español.

"I am a Veteran, and he knew all the ins and outs of getting a VA loan."
- DC B., client (read more reviews)

VA Loan Benefits

  • No down payment in most cases, as long as the price is not higher than the appraised value
  • No private mortgage insurance (PMI)
  • No VA loan limit if you have your full entitlement. The lender and appraisal still have to support the price.
  • The seller can pay closing costs if negotiated in the contract
  • VA currently allows veterans to pay a buyer's agent fee, which makes it easier to have your own agent

VA Funding Fee (2026)

Most VA purchase loans have a one-time funding fee, which can be rolled into the loan:

Down paymentFirst useAfter first use
Less than 5%2.15%3.3%
5% or more1.5%1.5%
10% or more1.25%1.25%

You do not pay the funding fee if you receive VA compensation for a service-connected disability, are a surviving spouse receiving Dependency and Indemnity Compensation, or are an active-duty Purple Heart recipient, among other exemptions.

Who Qualifies?

  • Active duty: 90 continuous days
  • Veterans who served since August 2, 1990: generally 24 continuous months, or the full period you were called to active duty (at least 90 days)
  • National Guard and Reserve: 90 days of non-training active duty, or 6 creditable years
  • Some surviving spouses

You will need a Certificate of Eligibility (COE). Most VA lenders can pull it for you in minutes, or you can request it at VA.gov.

Texas Vet Home Loans (Veterans Land Board)

Texas veterans can also use the Texas Veterans Land Board home loan program, with loans up to $832,750 in 2026 through participating lenders. It can be combined with VA, FHA or conventional financing, and veterans with a VA disability rating of 30% or more get a discounted rate. You must be a Texas resident, use the home as your primary residence, and meet the program's service rules. Details are at the Texas GLO.

Property Tax Breaks for Disabled Veterans in Texas

  • 100% disabled or rated individually unemployable: a total property tax exemption on your homestead
  • 10% to 29%: $5,000 off taxable value. 30% to 49%: $7,500. 50% to 69%: $10,000. 70% to 100%: $12,000.
  • Unremarried surviving spouses can keep many of these exemptions

These stack with the regular homestead exemption. Read our homestead exemption guide to learn how to file.

What to Know About VA Appraisals

VA appraisals check that the home meets VA Minimum Property Requirements: safe, structurally sound and sanitary. Most move-in-ready homes pass easily. Homes with roof, foundation or safety issues may need repairs before closing, so we plan for that when we choose homes and write offers.

Military-Friendly Areas We Serve

Ellington Field Joint Reserve Base in southeast Houston is home to the Texas Air National Guard's 147th Attack Wing, Coast Guard Air Station Houston and other units. Nearby neighborhoods include 77034 (Southbelt and Ellington), 77089, Sagemont, Clear Lake, Friendswood and Pearland. The Michael E. DeBakey VA Medical Center is near the Texas Medical Center, a straight shot up Hwy 288 from Pearland.

VA Loan FAQ

Can I use a VA loan on new construction?

Yes, with a builder and lender that work with VA loans. Bring your own agent on your first visit to the model home.

Can I use my VA loan more than once?

Yes. Your entitlement can be restored after you sell and pay off a VA loan, and in some cases you can have more than one VA loan at a time.

Can sellers refuse a VA offer?

A seller chooses which offer to accept, but a well-prepared VA offer with a strong pre-approval competes well. We help you write offers that make sellers comfortable.

Sources: VA.gov home loans; VA funding fee; Texas Veterans Land Board; Texas Comptroller, disabled veteran exemptions. Loan terms and program rules change; confirm with your lender.

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Luis Rendon, Broker at My City Homes Realty

Luis Rendon

Broker, My City Homes Realty
Se habla español

713-996-9755

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What Our Clients Say

"Luis is THE MAN. If you're in the market for a home, he is the only call you need to make. I am a Veteran, and he knew all the ins and outs of getting a VA loan."

DC B.

Read more client reviews

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