VA Loan Program

ZERO Out Of Pocket Lender Closing Costs for our Disabled Veterans. Easiest access to housing for our Heroes.

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.

For our Heroes under disability we offer zero out of pocket lender related closing costs and on a case by case basis as certain conditions may apply, we may be able to offer ALL closing costs included in the loan so you would go at closing with $0.00 out of pocket. Let us serve you now and help you get your dream home.  

Our number one mortgage loan program and our highest dedication owed to America's Heroes. Our Veterans and Military Active-Duty Personnel residing in Texas receive red carpet treatment through 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 home loans with a credit score of 580.

Our VA mortgage loan programs allow us to secure financing, starting with 580+ credit scores, as well as assist in the search for 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 previous 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 outstanding 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 central bank or financial institution has denied your loan.

At Clear Lending, we are proud of having served thousands of VA loans and 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 (2024 update - For year 2024 limit is increased $766,550) and only needed $3,350 at closing. This loan scenario is one reason 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 close the loan. Although eligible for the home loan benefit, veterans must still qualify based on income and credit before underwriting grants loan approval. The great news is the debt-to-income ratios can go to 60% if other conditions apply.

Furthermore, if you have student loans and their repayments are deferred for over 12+ months, you 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 mortgage rates.

Features and Benefits:

• NO down payment ($0.00) for loan amounts up to $4,000,000.
• No down payment per VA county limit.
• 10, 15, 20, 25 or 30-year fixed-rate mortgages.
• 3- or 5-year adjustable-rate mortgage.
• Seller assistance may be possible to even 4% of the sales price.
• Low minimum credit score of 500.
• Cash-out refinances available.

Get today's lowest mortgage rates.

Eligible Properties :

• 1-to4-unit property.
• PUDs.
• Condominiums.
• Manufactured homes (refinances of currently serviced loans only).

Grab the Opportunity to Use VA Loan Programs in Houston, TX.

Whether you are considering purchasing or refinancing an existing VA mortgage loan, Clear Lending can help you. 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, TX.

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.

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