VA Loans in El Paso, TX
Looking for a va loan near El Paso, TX? Harris Capital Mortgage Group is a licensed mortgage lender serving El Paso and surrounding areas. Get a free estimate — no hard credit check. NMLS# 1918223.
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VA Loan Near El Paso, TX
Texas has no state income tax, which can increase your buying power. Property taxes vary significantly by county — your loan officer will factor in local rates when building your estimate.
Harris Capital Mortgage Group (NMLS# 1918223) is a licensed mortgage lender near El Paso, TX serving buyers throughout the TX market. Whether you're searching for a va loan near El Paso or anywhere in TX, our loan officers know the local market and will guide you through every step of the process.
El Paso Market Snapshot
Areas within El Paso we commonly serve
Estimates are for informational purposes only and are not a loan approval or commitment to lend. Rates and terms subject to credit approval and change without notice.
Frequently Asked Questions: VA Loan in El Paso, TX
Can I buy a home in El Paso, TX with a VA loan and zero down payment?
Yes. If you are an eligible veteran, active duty service member, or qualifying surviving spouse, a VA loan in El Paso, TX allows 100% financing — zero down payment, no private mortgage insurance. Harris Capital Mortgage Group's VA specialists handle your Certificate of Eligibility (COE) and guide you through the VA appraisal process specific to TX.
What is the VA funding fee for a home purchase in TX?
For most first-time VA loan users putting zero down, the funding fee is 2.15% of the loan amount. For subsequent uses it rises to 3.3%. Some veterans with service-connected disabilities are fully exempt from the funding fee. Your HCMG loan officer will verify your exemption status before estimating your closing costs.
How long does it take to close a VA loan in El Paso?
Most VA loans in El Paso close in 30–45 days when all documents are submitted promptly. The VA appraisal — which can only be ordered by a VA-approved lender — is often the longest step. Harris Capital's VA team in TX knows the local appraiser timeline and will set accurate expectations from day one.
VA Loan, Common Questions
Who qualifies for a VA loan?
Active duty service members, veterans, National Guard members, reservists, and eligible surviving spouses may qualify. A Certificate of Eligibility (COE) is required.
Do VA loans require a down payment?
No. VA loans typically require zero down payment, which is one of the most significant benefits available to eligible borrowers.
Is there a VA funding fee?
Yes. Most VA loans include a funding fee (0.5%–3.3% depending on service history and down payment). Some veterans are exempt due to disability.