Most eligible buyers with full entitlement can buy with no down payment and no private mortgage insurance. You'll still have some costs, such as earnest money, the appraisal, inspections, and closing costs. We'll walk you through each one at your consultation so nothing catches you off guard.

Eligibility usually covers active-duty service members, veterans, members of the National Guard and Reserves who meet service requirements, and some surviving spouses. Your lender can request your Certificate of Eligibility (COE), often within minutes. The OCG team can connect you with a VA-experienced lender so you start on solid footing.

The VA funding fee is a one-time fee that helps keep the program running, and it can usually be rolled into your loan. Veterans who receive VA disability compensation, along with certain other borrowers, are exempt. Your lender will confirm whether it applies to you.

Along with confirming value, the VA appraisal checks that the home meets the VA's Minimum Property Requirements, which means it must be safe, sound, and sanitary. OCG looks for possible issues before you make an offer, so there are fewer surprises once you're under contract.

Yes. We regularly help military families buy from a distance with virtual tours, video walkthroughs, and digital paperwork. We'll line up your timeline with your report date so your new home is ready when you arrive.

Yes. The Texas Veterans Land Board offers home loan programs for eligible Texas veterans, and Texas offers property tax exemptions for veterans with service-connected disabilities, based on your disability rating. We'll point you to the right resources so you can take full advantage of what you've earned.

In many cases, yes. When your VA loan is paid off at the sale, you can usually request restoration of your entitlement for your next purchase. OCG can manage your sale and your next purchase together, and we'll work with your lender so the timing goes smoothly from one home to the next.

In many cases, yes. When your VA loan is paid off at the sale, you can usually request restoration of your entitlement for your next purchase. Your lender can confirm how this works for your situation.

VA loans can be assumable, which can make your home more appealing to buyers. Unless the buyer is an eligible veteran who substitutes their own entitlement, part of your entitlement may stay tied to the loan. We'll explain the trade-offs so you can choose what's best for your next move.