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VA Mortgage Loans

The Veterans Administration (VA) loan program allows Veterans to qualify for a federally guaranteed home loan with zero down payment. Apply now and you’ll be connected with one of our Amegy Bank Mortgage Officers to find VA mortgage rates and to get the process started.

Requirements to qualify for a VA mortgage loan

You may qualify if you have been an active-duty Veteran with a minimum of 90 days of service during wars, you have offered active service for 181 consecutive days during peacetime, and you’re a Veteran with at least a 41% debt-to-income ratio.

Benefits you should know about

Advantages

  • Veterans can obtain up to 100 percent financing.
  • Our wide variety of mortgage loans cater to your unique needs as a Veteran buying a home.
Things to think about

Considerations

  • The VA requires a funding fee from the borrower to pay for the loan guarantee. This can be added to the loan amount. Funding fee amounts differ depending on the Veteran’s status, the loan amount, and prior use of VA mortgages.
  • Education is important. Learn about what to expect during your home loan journey on our Home Loan Process page.

Make your loan experience that much better

Fixed Rate Options

Fixed-Rate Mortgages are popular among homeowners because the interest rate and monthly payments stay the same over the entire term.

Own Your Home Twice as Fast

You’ll pay a bit more every month, but a short-term Fixed-Rate Mortgage can cut in half the amount of time it takes to own your home. Plus, you typically get a lower rate for a 15-year term than a 30-year.

Consult a Mortgage Loan Officer

We’re proud of our history of investing in communities and client relationships. Our residential mortgage team works closely with you to assess your needs and offer the loan that will work for you. 

Decisions Made Locally

We make our loan decisions at the local level, so we understand our clients and the market. That means you can benefit from a faster turnaround time on approvals, and you can get your loan funded sooner. 

Apply today for your home loan.

It only takes about 15 minutes to apply. Be ready with: Social Security Number and date of birth (borrower and co-borrower), home address and phone number (mailing address if different from home), previous address (if at residence less than 2 years), and gross monthly income.  



Contact Us

Mortgage Services

800-727-8893

Make Appointment

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Visit a Branch

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