TX VA Pre-Approval — 60-Second Eligibility Check

Key takeaways

VA pre-approval verifies your Certificate of Eligibility, income, and credit so you can shop a Killeen, El Paso, or Houston home with $0 down and no monthly mortgage insurance under 38 U.S.C. §3703.
With full entitlement there is no VA loan limit in any of the 254 Texas counties (2020 Blue Water Navy Act amending 38 U.S.C. §3703); the 2026 conforming figure of $832,750 binds only partial entitlement, and neither Bexar nor Harris County carries a higher one.
Pre-approval is free and no-obligation, and for most Fort Cavazos and San Antonio Veterans your Certificate of Eligibility returns in 24 to 48 hours through the lender portal under 38 U.S.C. §3702.
Bring recent pay stubs, two years of W-2s or returns, and a Certificate of Eligibility (or Mike pulls it) so underwriting can issue a firm 2026 pre-approval on your Texas home.

Texas is one of the largest VA-loan states in the country, and this quick check works the same whether you are PCSing into Fort Cavazos at Killeen, separating near Fort Bliss in El Paso, or buying a first home in a Houston or San Antonio suburb. If you carry a VA disability rating, Mike also flags the Texas disabled-Veteran homestead exemption, which zeroes out property tax under Tax Code §11.131 for 100%-rated Veterans in Bexar, Bell, and El Paso counties. Nothing on this page pulls your credit or commits you to a Texas loan.

TX VA Loan — 60-Second Eligibility Check

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