The VA loan page for people who want straight answers before they apply.
VA lending has real advantages, but the details matter: entitlement, occupancy, funding fee status, refinance type, property rules, credit, income, and timing. This hub breaks the path into practical guides so you can move from research to a real plan.
VA loan basics, organized by the questions borrowers actually ask.
These are the national VA resource articles planned for the first VA content cluster. The hub is live first; individual articles come next after review.
Basics
VA Loan Basics
Eligibility, entitlement, reuse, credit history, and property use rules in plain English.
The funding fee depends on use type, down payment, and exemption status. Disability compensation and certain other statuses may remove the fee completely.
Eligibility usually starts with service history, but final approval also depends on credit, income, occupancy, property condition, and underwriting.
Eligibility and COE guide Planned
Calculators
Run rough VA numbers before you talk to a loan officer.
These tools are starting points, not approval engines. Use them to frame the conversation, then let a VA loan specialist check the actual guidelines and pricing.
VA payment calculator
Estimate payment, taxes, insurance, and funding fee impact on a VA purchase or refinance.
The detailed articles will go deeper, but these are the common first-pass answers.
No. The existing VA loan page remains the main product page. This hub organizes the VA content cluster and links to deeper guides.
Many eligible VA borrowers can buy with no down payment, but approval still depends on entitlement, credit, income, occupancy, property eligibility, and underwriting.
A VA IRRRL is a streamline refinance for an existing VA loan. A VA cash-out refinance can be used to refinance other loan types into a VA loan and may allow equity access when eligible.
No. If you have it, bring it. If you do not, Texana can help request or verify the COE during the loan process.
This is the first organic VA page being reviewed locally. After approval, the detailed VA resource articles get built from this structure.
Ready to turn VA research into a real loan plan?
Start with a soft-credit conversation, compare the right VA path, and avoid guessing on eligibility, funding fee, and refinance structure.
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★★★★★
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Mark Sherrard
★★★★★
Overdue but thanks again Adam, I appreciate you going above and beyond to make sure my family got our dream home. 10 stars.
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Carson Romero
★★★★★
My experience with Lynette was the best and easiest experience it could’ve possibly been when being a first time home buyer. She’s very kind, communicative, reliable, and so much more! It made the whole process that much less stressful and overwhelming. So blessed to have had her on my side!
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Zane Atkins
★★★★★
Parker McMahan has helped us with 3 mortgages and a refi in part few years. Always great service-always honest advice. Texana will be my “go to” for mortgage advice and activity from here on. They are also great in the area of VA home loans.
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★★★★★
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They took the time to explain everything clearly, answered all of my questions, and kept me informed throughout the entire process. I always felt like I had someone in my corner who genuinely cared about helping me reach my goals.
If you’re looking for a mortgage broker who is trustworthy, dependable, and willing to go the extra mile for their clients, I highly recommend them. I truly appreciate all of their hard work and would definitely work with them again!
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Kent Sisco
★★★★★
Adam McCormick is fantastic! Easy to work with and keep me informed every step of the way! Looking forward to working with him again in the future
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Andrea Ferrell
★★★★★
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Andrea
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Clay Ragsdale
★★★★★
Where to really start. Adam walked me through everything and put me at ease. I have had some bad experiences with other companies so I was digging and looking for any red flag. There was none with him and his direct talk is what did it for me. Someone that is real and just says what it is. No false hope or misdirection at anytime.
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Respectfully,
Clay
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Belvia Lynn
★★★★★
My overall experience while working with Adam McCormick was excellent. He was very pleasant and professional.
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Joseph Hardman
★★★★★
Adam McCormick is an absolute professional in every sense of the word. I will NEVER use any other loan officer for my financials other than Adam as long as he is in the business. His work as my loan officer was exceptional. Throughout the process, he always responded to an e-mail, responded to a text, called right back if not answering immediately. He always made you feel as though you were his only client. There was never the impression he had more important things to do other than speak with you. He worked with us through a death in the family, personal issues, and numerous other challenges. It's possible other loan officers would have given up on us during this process, but Adam stuck with us through it all. His work ethic is amazing. He is an expert in his craft. I could not possibly give a higher recommendation, he has redefined what right looks like in this business.
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Marsha Kessler-Bradshaw
★★★★★
I was about to go with another company for this refinance no cash out until I received a call from this Adam McCormick. He was so knowledgeable and made me feel very comfortable with this process. Adam is knowledgeable ,courteous, understanding and has a real passion and patience for people. 👍We are at the closing. Thank you Adam McCormick!!
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Peter Jenkins
★★★★★
My situation had its difficulties. Justin was confident and persistent through the process and we the got the result
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Dale Samuel
★★★★★
Mark has been very professional and has been very respectful to my wife and myself.
Mark has shown that genuine human qualities and really worked with us and for us.
This actually been a pleasure to get to know Mark.
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James Fields
★★★★★
Outstanding Service and support from a truly Customer Oriented Agent! My pleasure to have worked with Mr. MCcormick.! Would follow him to next source if necessary. He is concerned in an outstanding balanced way. My pleasure to?know and do Business with him and The Bank!
JFields
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Rose Stone-Stewart
★★★★★
Texana Bank was there for us throughout the entire process. Their personableness, as well, their professionalism. As a financial institution it was nice to know that while obtaining a loan, we had a safe place to relay. They are absolutely “by the book” and at the same time makes the process easier to participate. The hospitality and genuine concern as clients was overwhelming of which we will always consider Texana Bank first, before mostly any other financial institution.
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Mitchell Morris
★★★★★
Greg was awesome and the process was simple. I have nothing but the highest praise for the process and for Greg himself. Thank you.
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Ronald Bylsma
★★★★★
Best refi experience of our lives, Andre was very knowledgeable and always kept us calm when things got stressful. Would recommend Mr. Andre Floyd to anyone looking for a great lending officer!