VA LOAN
"0% down is not a loan feature—it is a benefit earned through service. I architect VA scenarios that respect your sacrifice and maximize your wealth." — Michael Durr
Zero Sacrifice.
"The VA loan is the most powerful financing tool in existence. No down payment, no monthly mortgage insurance, and flexible credit standards make it the ultimate path to homeownership."
TECHNICAL FACTS.
VA guidelines are unique. Mike handles the complex Certificate of Eligibility (COE) and Entitlement math to ensure you get the absolute maximum benefit.
Broker Insight:
"A common myth is that you can only have one VA loan. In reality, we can often architect a second VA loan for active-duty members relocating, using your remaining entitlement."
Certificate of Eligibility
The COE is your ticket to 100% financing. We pull this directly from the VA portal for you, often in minutes, to determine your specific entitlement level.
The Funding Fee
A one-time fee paid to sustain the program. It can be rolled into the loan amount. Veterans with a 10%+ service-connected disability are typically **100% exempt**.
Residual Income Math
VA doesn't just look at DTI ratios. They look at 'Residual Income'—the cash you have left over after bills. This flexibility allows for approvals when conventional loans fail.
VA
VARIANTS.
Tailored scenarios for our Texas Heroes
