Texas VA Loan Resources Hub
Every free tool, guide, and resource Mike publishes — all in one place.
Downloadable PDFs
- The TX VA Loan Playbook — 30+ page comprehensive guide to using VA financing in Texas. Covers eligibility, calculations, TX-specific advantages (HB 2792, Down Payment Assistance (DPA)), summer PCS tactics, VA appraisal, refinancing, and pitfalls.
- TX Veteran Money-Saving Guide — quarterly-updated 20-page guide to TX + federal Veteran benefits, discounts, and tax breaks. Updated quarterly.
Calculators (8 total)
- BAH → Purchase Price — base + rank → max TX home price with TX summer utility reality
- Funding Fee Calculator — first use vs subsequent + disability waiver
- PITI Payment Calculator — full monthly with TX county property tax + insurance + HOA
- Max $0-Down Purchase Calculator — income → max VA home price at 41% DTI guideline
- HB 2792 Tax Savings Calculator — disabled Veteran property tax exemption $ savings
- IRRRL Recoupment Calculator — 36-month VA rule pass/fail
- Disability Gross-Up Calculator — 25% boost to qualifying income
- Residual Income Calculator — VA's West region 2026 thresholds
- All calculators in one place
Core TX VA loan guides
- Home — site index + base routing
- Eligibility — COE, service requirements, entitlement
- 2026 TX Loan Limits — all 15 counties + jumbo
- HB 2792 Disabled Vet Property Tax — 2026 expansion deep dive
- Funding Fee + Waiver — 10%+ disability waiver
- IRRRL Streamline Refi
- First-Time VA Buyer
- Assumable VA Loans
TX-specialist content (zero-national-coverage)
- TX DPA + VA Stacker — TSAHC Homes for Texas Heroes and TDHCA My First Texas Home with a VA loan
- VA Construction Loans in TX — single-close vs two-close + TX builder list
- Snowbird to TX Resident — occupancy + tax residency transition
- Tribal Lands + NADL — 22 TX tribes + Native American Direct Loan
- Master-Planned Community VA Status — Cinco Ranch, Cibolo Canyons, Teravista, Bridgeland, etc.
- Wildfire + Insurance Reality — Lubbock, Fredericksburg, Payson, Abilene
- San Antonio vs Killeen vs El Paso — TX metro comparison
- Summer PCS Playbook — June-August buyer competition tactics
- TX Retiring Veteran Guide — top-3 US retirement state for Veterans
- VA Loan Glossary — 75+ TX-relevant terms
Comparison pages
Base hubs (deep PCS guides)
- Fort Hood — III Corps + 1st Cavalry Division, Killeen
- Fort Bliss — 1st Armored Division, El Paso
- Sheppard AFB — 82nd Training Wing, Wichita Falls
- JBSA — Army Intelligence + Cyber, San Antonio
City guides
- Houston · Dallas · San Antonio · Austin · Fort Worth · El Paso · Killeen
Veteran discounts
- Statewide TX Veteran discounts — state programs + federal benefits + national chains
- Houston metro discounts
- Dallas area discounts
- San Antonio + JBSA discounts
Free services
- TX VA Credit Tune-Up — free credit coaching for Veterans planning to buy in 6-12 months
- 60-Second Eligibility Check — 3-step intake, no credit pull
Connect with Mike
- About Mike — credentials, NMLS, philosophy
- Contact — phone, email, contact form
- For Real Estate Agents — Realtor referral playbook
External resources worth knowing
- NMLS Consumer Access — verify Mike's license + Cornerstone's license
- VA Home Loan Benefits (VA.gov) — official VA loan documentation
- TX Department of Veterans' Services — state Veteran programs
- Texas State Affordable Housing Corporation (TSAHC) — Homes for Texas Heroes + Home Sweet Texas DPA
- Texas Dept. of Housing & Community Affairs (TDHCA) — My First Texas Home DPA + MCC