Why Choose Herring Bank for Your Austin VA Home Loan?

At Herring Bank, we proudly serve the veterans, active-duty service members, and military families who call Central Texas home. With Camp Mabry, the Texas National Guard, and a strong community of retired military personnel, Austin is a hub for those who’ve served—and we’re honored to support their path to homeownership.

Whether you’re eyeing a home in South Austin, exploring the suburbs of Pflugerville or Round Rock, or relocating to the scenic Hill Country, our VA loan specialists understand Austin’s fast-paced housing market and the unique needs of military borrowers.

As a direct lender with in-house underwriting, we streamline the VA loan process for Austin-area buyers—often closing in 28 days or less. Our team partners with local, VA-approved appraisers to ensure timely, veteran-friendly service every step of the way.

VA Loan Benefits for Austin Veterans

Eligible VA borrowers in Austin can take advantage of powerful homeownership benefits:

• 0% down payment required – No need to save for a large upfront cost

• No private mortgage insurance (PMI) – Lower monthly payments

• Competitive fixed interest rates – Ideal in today’s fluctuating market

• Flexible credit guidelines – Approvals starting at a 580 FICO score

• Reduced closing costs – Often covered by sellers

• No prepayment penalties – Pay off early without extra fees

If you’re a Texas veteran with a 100% VA disability rating, you may also qualify for a full property tax exemption under Texas Tax Code Section 11.22—significantly reducing your ongoing housing costs.

Serving Military Families in Austin

We know Austin’s military community is diverse—from National Guard members to those stationed at nearby Fort Cavazos (formerly Fort Hood). Herring Bank supports Austin military buyers with:

• Fast pre-approvals – Within 24 hours

• Remote closings – Via power of attorney for deployed service members

• Expert BAH income qualification – We help you maximize eligibility

• Streamlined VA documentation – Let us handle the paperwork

Top Austin Neighborhoods for VA Homebuyers

Whether you’re purchasing your first home or upgrading for your family, Austin offers VA-eligible properties across many vibrant neighborhoods:

• North Austin – Great schools, tech hubs, and military-friendly communities ($350K–$500K)

• Pflugerville & Manor – Affordable suburbs with strong growth and newer homes ($300K–$450K)

• Buda & Kyle – South of the city, offering space and value for families ($280K–$400K)

• Leander & Cedar Park – Popular for families and veterans seeking newer builds ($350K–$500K)

Looking for something older with character? Ask us about VA renovation loans—ideal for homes in neighborhoods like Hyde Park, East Austin, or South Congress.

2025 Austin Housing Market Snapshot for VA Buyers

Austin remains one of the fastest-growing metro areas in the U.S. According to the Austin Board of Realtors:

• Median home price: ~$430,000

• VA loan limit: No cap for full entitlement holders

• Days on market: 35–45 days

• Inventory: Improving, with more VA-eligible homes available

Despite the city’s growth, many surrounding areas still offer excellent opportunities for VA buyers to purchase with no money down.

VA Loan Process – Simple & Local

Our 4-step Austin VA loan process is fast, clear, and veteran-first:

1. Request Your COE – We help retrieve your Certificate of Eligibility within 24 hours

2. Get Pre-Approved – Call 1-214-225-3166 and get same-day approval tailored to the Austin market

3. VA Appraisal – Completed by a local VA-certified appraiser

4. Close Fast – In-person or remote closing, often in 28 days or less

Refinance Options for Austin VA Homeowners

Already own a home with a VA loan? Herring Bank offers easy refinance solutions:

• VA IRRRL (Streamline Refinance) – Lower your rate with minimal paperwork

• VA Cash-Out Refinance – Tap up to 90% of your home’s value for improvements, emergencies, or debt consolidation

Austin VA Loan FAQs

What credit score do I need for a VA loan in Austin?
We can work with veterans with credit scores as low as 580, depending on other qualifying factors.

Can I buy a duplex in Austin with a VA loan?
Yes! VA loans can be used on 1–4 unit properties as long as you live in one of the units.

Does Austin offer property tax exemptions for disabled veterans?
Yes—Texas offers 100% property tax exemption for veterans with a 100% VA disability rating.

Talk to an Austin VA Loan Expert Today

Call Herring Bank’s VA loan team now at 1-214-225-3166 for:

✅ Same-day pre-approvals
✅ Personalized guidance from VA loan professionals
✅ Bilingual service in English and Spanish

Whether you’re stationed nearby, retiring in Central Texas, or simply ready to own in one of the most dynamic cities in America—Herring Bank is here to help you succeed with your VA loan in Austin.