Weichert, Realtors® – Infinity · VA Loan Resource Guide
Everything military families need to know about using your VA loan benefit in the Central Texas market — from eligibility to closing day.
Ian Alkire
Broker/Owner
(830) 402-5781
ian.alkire@wrinfinity.com
102 Wonder World Dr., Suite 302
San Marcos, TX 78666
No Down Payment
Qualified veterans can purchase with $0 down — one of the most powerful benefits available.
No PMI
Unlike conventional loans, VA loans don't require private mortgage insurance, saving hundreds per month.
Competitive Rates
VA loans typically offer rates 0.25–0.5% lower than conventional loans (6.25–6.75% range in 2026).
Flexible Credit
More lenient credit requirements than conventional loans — ideal for families rebuilding after deployments.
Lifetime Benefit
Your VA loan entitlement can be used multiple times and restored after paying off a prior VA loan.
Assumable Loan
VA loans can be assumed by a qualified buyer — a major selling advantage in a higher-rate environment.
Active Duty
Veterans
National Guard / Reserves
Surviving Spouses
Get Your Certificate of Eligibility (COE)
Your lender can pull this directly from the VA portal in minutes. You can also request it at va.gov/housing-assistance.
Choose a VA-Experienced Lender
Work with Jenn Bailey at Legacy Mutual Mortgage — our preferred partner with deep VA loan expertise and an FBI mortgage fraud background for added security.
Get Pre-Approved
Pre-approval shows sellers you're serious and helps you move fast in competitive markets. Takes 1–3 business days.
Find Your Home
Work with Ian Alkire to find VA-eligible properties in Central Texas. Most single-family homes qualify; condos require VA approval.
VA Appraisal
The VA requires an appraisal by a VA-approved appraiser to confirm the home meets Minimum Property Requirements (MPRs).
Underwriting & Closing
Typically 30–45 days from contract to close. Ian's team coordinates every step to meet your PCS timeline.
The VA funding fee is a one-time cost that helps sustain the program. It can be rolled into the loan.
| Loan Type | First Use | Subsequent Use |
|---|---|---|
| Purchase (0% down) | 2.15% | 3.30% |
| Purchase (5–9% down) | 1.50% | 1.50% |
| Purchase (10%+ down) | 1.25% | 1.25% |
| Refinance (IRRRL) | 0.50% | 0.50% |
⭐ Veterans with a service-connected disability rating of 10%+ are EXEMPT from the funding fee.
Premium Section — Coming Soon
BAH-to-mortgage payment calculator · Lender comparison worksheet · VA loan FAQ deep-dive
Learn More & Connect →Our Preferred Lender
Jenn brings deep VA loan expertise and an FBI mortgage fraud background — meaning your transaction is handled with the highest level of integrity. She understands military timelines and works fast.
Connect with Jenn →Weichert, Realtors® – Infinity · BBB Accredited · Independently owned and operated