VA Loan Center of Texas, a Division of Mortgage Express,
Powered by Mortgages USA, NMLS # 301114 – VA Approved Lender
VA Loan Center of Texas
VA Loan Center of Texas
VA Loan Center of Texas

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Or call 877-503-9899
to speak to a VA Loan Specialist.


The Buying Process

In most cases, this is how the process will work when trying to buy a home with your VA loan benefits.

Find a VA mortgage and real estate professional

Not every lender is approved by the VA, and not every loan officer or realtor understands the VA home loan process. It is very important to find VA professionals that have the experience necessary to make the loan process nice and easy.

Get a Pre-approved

We encourage all potential home buyers to complete a loan application before making an offer on a home. It is very important a VA Loan Specialist has reviewed all information to meet VA underwriting guidelines. Please call us Toll Free 877-503-9899 or send an email to and request a loan application.

Find a Home and Sign a Purchase Agreement

Work with a real estate agent to find the home for purchase. Make sure the purchase and sales contract is reviewed by a VA Loan Specialist before it is executed. We want to make sure the contract protects our veterans’ best interest prior to binding a legal document with a signature. This is also a good time to discuss the estimated monthly mortgage payment and closing costs for the specific subject property.

Loan Processing

The VA lender requests all personal documents from the veteran that will be required by the VA. Our Processing team will review the appraisal and all the documentation of credit, income, and assets prior to submission to underwriting. The lender’s underwriter might request more information before a decision is made. It is important to provide everything that is requested in order to get final approval and close on time.


Once the lender has issued a final approval they will prepare the closing documents for the title company for the day of closing. An escrow officer for the title company will coordinate the date and time for the closing. A settlement statement (HUD-1) will be provided to the veteran prior to closing. This statement will break down all the closing costs and prepaid items associated with the VA loan transaction.