Why Choose Herring Bank for Your Dallas VA Home Loan?

At Herring Bank, we specialize in serving veterans and active-duty military families navigating the Dallas real estate market. Whether you’re eyeing a craftsman-style home in Oak Cliff or a modern build in Lake Highlands, our DFW-based VA loan experts provide unmatched local insight and lending speed. With in-house underwriting and a deep network of VA-approved appraisers across Dallas County, we offer average closings in just 28 days—giving you a competitive edge in this fast-moving metro.

Our team is committed to helping you fully leverage your VA benefits. We maximize your Basic Allowance for Housing (BAH) in high-demand zip codes like 75204 (Uptown) and 75228 (East Dallas), and we guide eligible veterans through Texas property tax exemptions, including full exemptions for those with a 100% VA disability rating.

Dallas VA Loan Benefits for Veterans

Qualified Texas veterans in Dallas can access VA loans with:

• 0% down payment

• No PMI (Private Mortgage Insurance)

• Competitive fixed rates

• Flexible credit requirements (580+ FICO)

Veterans with a service-connected disability may also qualify for property tax exemptions under Texas Tax Code Section 11.22, significantly reducing monthly housing costs.

From condos in Deep Ellum to single-family homes in Garland, Herring Bank ensures every eligible veteran receives personalized support throughout the homebuying process.

VA Loans for Dallas Military Families

Dallas is home to thousands of veterans and is within commuting distance of Naval Air Station Dallas (Hensley Field) and Grand Prairie Armed Forces Reserve Complex. Popular VA-friendly neighborhoods include:

• Cedar Crest – Affordable properties ideal for first-time VA buyers (starting around $200,000)

• Northwest Dallas – Mid-century homes near Love Field with quick access to I-35

• Mesquite & Garland – Family-friendly suburbs offering more space and value

For families facing PCS orders, we offer remote closings via power of attorney and fast-track pre-approvals, so your move is as smooth as possible.

2025 Dallas Housing Market Insights for VA Buyers

According to recent data from the Dallas Central Appraisal District:

• Median home price in Dallas: $311,750

• Average days on market: 29

• Top VA buyer neighborhoods:

  • Lake Highlands: Strong schools, VA-eligible homes from $350K–$800K

  • Pleasant Grove: Entry-level homes ideal for 0% down financing, $200K–$300K

  • East Dallas: Blend of historic homes and modern townhomes, $300K–$600K

We also support VA Renovation Loans for properties in need of updates—perfect for revitalizing older homes in areas like Oak Cliff or Casa View.

Dallas VA Loan Process

1. Certificate of Eligibility (COE) – We request this for you within 24 hours.

2. Pre-Approval – Call 1-214-225-3166 for a pre-approval letter.

3. Appraisal – We coordinate with VA-approved appraisers in Dallas County.

4. Closing – Most loans close within 28 days, in-person or remotely.

Refinance Your VA Loan in Dallas

Already own a home in Dallas with a VA loan? Take advantage of:

• VA IRRRL (Interest Rate Reduction Refinance Loan)

• Cash-Out Refinance – Borrow up to 90% of your home’s value for renovations or debt consolidation.

Whether you’re in Oak Lawn or North Dallas, we help you access your equity and reduce your rate without hassle.

Dallas VA Loan FAQs

What’s the minimum credit score for a VA loan in Dallas?
We work with credit scores as low as 580, depending on other qualifying factors.

Can I use a VA loan to buy a duplex or triplex in Dallas?
Yes. VA loans cover 1–4 unit properties if you occupy one of the units.

Are seller concessions common in Dallas?
Yes. VA loans allow sellers to pay up to 4% of your closing costs, and our team often negotiates these benefits on your behalf.

Speak With a Dallas VA Loan Expert

Reach out to Herring Bank’s Dallas VA team at 1-214-225-3166 for:

• Free pre-approvals tailored to the Dallas market

• VA loan education and benefits verification

• Bilingual support (English/Spanish) for a seamless experience

Take the first step toward homeownership in one of Texas’ most thriving and veteran-friendly cities.