Serving Austin Veterans — VA loan specialist · NMLS #2115994
VA Loans · Austin, TX
You Earned This Benefit.
Let's Use It.
$0 down payment. No PMI. Competitive rates. Eddie Gamez is Austin's VA loan specialist — helping veterans and active military buy homes with the benefit they've earned.
Who qualifies for a VA loan in Austin, Texas?
VA loans are available to active duty service members (90+ days wartime / 181+ days peacetime), veterans who served the minimum required period, National Guard and Reserve members with 6+ years of service, and surviving spouses of veterans who died in service or from a service-connected disability. VA loans offer $0 down, no PMI, and consistently lower rates than conventional loans — because the VA guarantees the loan. Eddie Gamez is an Austin VA loan specialist who can pull your Certificate of Eligibility directly through the VA system.
Why VA Loans Are the Best Deal in Mortgage
No other loan program offers this combination of benefits. If you've served, you've earned every one of them.
$0 Down Payment
Buy a home with no down payment required. Keep your savings for moving costs, furniture, or an emergency fund.
No PMI
VA loans don't require private mortgage insurance, saving you hundreds of dollars every month.
Competitive Rates
VA loans consistently offer some of the lowest interest rates available — because the VA backs the loan.
Reusable Benefit
You can use your VA loan benefit more than once. Sold your last home? Your entitlement can be restored.
Flexible Credit
VA loans are more forgiving on credit scores than conventional loans. We'll look at your full picture.
Fast Closings
Eddie knows VA loan requirements inside and out. No delays from paperwork confusion or lender inexperience.
VA Loan Eligibility
Do You Qualify?
Most veterans, active duty service members, and surviving spouses qualify. Here's who's eligible:
- Active duty service members (90+ days during wartime or 181+ days during peacetime)
- Veterans who served the minimum required active duty period
- National Guard and Reserve members (6+ years of service)
- Surviving spouses of veterans who died in service or from a service-connected disability
Not sure if you qualify? Eddie will check your eligibility for free — no commitment required.
Eddie Gamez
VA Loan Specialist · NMLS #2115994
Edge Home Finance · Austin, TX
50+ Five-Star Google Reviews
How the VA Loan Process Works
Eddie handles the VA-specific steps so you don't have to figure it out alone.
Get your Certificate of Eligibility
Eddie can pull your COE directly through the VA system — no paperwork chase on your end.
Pre-approval in 24 hours
Submit a quick application and Eddie will review your situation and present your best VA loan options.
Close with confidence
From offer accepted to keys in hand — Eddie handles the VA-specific requirements so nothing slows you down.
VA Loan Questions, Answered
Common questions Eddie hears from Austin veterans.
Do I have to pay closing costs with a VA loan?
VA loans limit what closing costs veterans can pay. In many cases, sellers can cover them — and Eddie will negotiate on your behalf to minimize your out-of-pocket costs.
Can I use a VA loan to buy in Austin if I'm stationed elsewhere?
Yes. VA loans can be used anywhere in the US, including Austin. Eddie works with buyers relocating to Austin from bases across the country.
What's the VA funding fee?
Most VA borrowers pay a one-time funding fee (typically 1.25%–3.3% of the loan amount) instead of PMI. Veterans with a service-connected disability rating are exempt. Eddie will calculate your exact fee upfront.
Can I use a VA loan to buy a second home or investment property?
VA loans are for primary residences only. However, if you've previously used your benefit and paid off that loan, your entitlement may be fully restored for a new primary home.
You Served. You Qualify.
Get Your VA Pre-Approval Today
Takes minutes. No commitment. Eddie will personally review your VA eligibility and walk you through every step.
Start My VA ApplicationEddie Gamez · NMLS #2115994 · Edge Home Finance · Austin, TX