VA loans are among the most powerful tools available to Texas veterans and active-duty service members.
However, just because they’re popular doesn’t mean understanding the full qualification process isn’t critical. While you may have heard it’s “easier” to qualify for a VA loan, there are still specific boxes to check.
From verifying military service to meeting credit expectations and ensuring the property meets VA standards, we break it down clearly, without a sales pitch.
Start an application with Salute Mortgage today to discover how to qualify for a VA loan.
What it really takes to qualify for a VA loan in Texas
The VA loan program eliminates many of the hurdles traditional mortgages present, such as down payments and private mortgage insurance (PMI). But “easier” doesn’t mean automatic.
The key to a smooth experience is knowing what the VA and your lender are looking for ahead of time. In Texas, where the housing market moves quickly, that clarity can make or break your deal.
Let’s walk through the three core pieces of VA loan qualification: service, credit, and property.
1. Do you meet the military service requirements?
Before anything else, you need to meet the VA’s minimum service standards. These rules are set by the Department of Veterans Affairs, not lenders, and apply no matter where you’re buying.
Here’s a quick breakdown:
- Active-duty service members are eligible after 90 consecutive days of service
- Veterans must have served at least 90 days during wartime or 181 days during peacetime
- National Guard and Reserve members typically need six years of service, unless called to active duty for 90 days
- Surviving spouses may qualify if their partner died in the line of duty or from service-related causes
In Texas, you don’t need to buy near a military base or be stationed in the state to use your benefit here. You just need to intend to make the home your primary residence.
Salute helps verify your Certificate of Eligibility (COE) at the start of the process so you’re never left guessing.
2. What credit score is needed for a VA loan in Texas?
One of the biggest myths around VA loans is that “there’s no credit score required.” While technically true, the VA doesn’t set a hard minimum. But lenders still need to assess risk.
At Salute, we typically look for a credit score of 580 or higher, though most borrowers fall between 620 and 660. The good news? VA loans are far more flexible on credit than conventional mortgages.
If your score is below 600, that doesn’t mean you’re out. We’ll review the full picture, job history, income stability, and whether any negative marks are isolated or systemic.
We also help borrowers in Texas build or boost their score when needed. You won’t get ghosted just because you’re not “perfect on paper.”
3. How does your income and debt factor in?
Your credit is only part of the equation. Income and debts, also known as your debt-to-income ratio (DTI), matter too.
In general, most VA loans allow a DTI up to 41%, but higher ratios can be approved with strong compensating factors like steady income, high residual funds, or a large savings cushion.
For active-duty buyers, Basic Allowance for Housing (BAH) counts as qualifying income. This can be a game-changer in places like San Antonio or El Paso, where BAH often covers most or all of your monthly mortgage cost.
Salute helps Texas service members and veterans strategically structure their income. We know how to explain your financials to underwriters, and how to use every valid source of income to boost your approval odds.
4. Does the home you’re buying meet VA property requirements?
The VA wants to ensure that you’re moving into a safe and livable home. That’s where the VA appraisal and Minimum Property Requirements (MPRs) come in.
Here’s what that means for homes in Texas:
- It must be your primary residence. VA loans aren’t for vacation homes or investment properties
- The home must be safe, sound, and sanitary. Issues like exposed wiring, foundation damage, or broken HVAC systems can halt a loan
- Condos must be VA-approved. Not every condo development qualifies, so always double-check before making an offer
- Rural or manufactured homes can qualify, but must meet HUD standards and be permanently affixed to a foundation
We’ve seen deals fall through because other lenders missed a key property issue. Salute works closely with VA-experienced appraisers and can flag potential red flags early.
Let’s Build Your Path to Homeownership
At Salute Mortgage, we combine veteran-led guidance with clear, tactical support—whether you're buying your first home, refinancing, or planning for long-term equity.
Common reasons VA loan applications get denied in Texas
Even with a strong benefit, some applications are denied, not because the borrower isn’t eligible, but due to avoidable mistakes. Here are a few common ones:
- Missing or incomplete service records: Without a valid COE, the process can’t move forward
- Too much deferred debt: Student loans that aren’t factored in correctly can spike your DTI
- Low residual income: Even if your DTI looks good, VA loans require leftover monthly income based on household size and location
- Unqualified properties: Barndominiums, fixer-uppers, or condos not on the VA-approved list can derail a deal
The fix? Work with a team that knows how to navigate all of this. At Salute, we don’t just collect documents; we help you build a full, compelling file that clears underwriting without the back-and-forth.
What makes Salute Mortgage the best choice for VA buyers in Texas?
At Salute, we focus on VA loans because we’ve lived the life. We understand the challenges that service members and veterans face, both financially and logistically, and we’ve designed a system that respects your time and benefits.
- No lender overlays: If the VA says you’re eligible, we honor that—no extra credit or income hurdles
- Fast, tech-forward process: Get pre-qualified in hours, not days
- Homebird agent support: Our in-house partner network connects you with Texas agents who know how VA deals work
- “Text-before-call” communication: You get updates your way, not just when it’s convenient for us
Texas is one of the top states for VA homebuyers. We’re here to make it one of the easiest.
Final word: You served, now let your benefits serve you
Serving our country means you’ve earned more than just thanks. You’ve earned access to a powerful homeownership tool.
The VA loan isn’t charity. It’s a strategic, well-earned benefit designed to help you build long-term stability.
Qualifying doesn’t have to be a guessing game. With the right guidance and a lender who prioritizes you, the path becomes straightforward.
Are you wondering if you qualify for a VA loan in Texas? Let’s run the numbers together. Start your application with Saute Mortgage.
