Texas Veteran Home Loan

Welcome back to my video blog.

Today, I have with me Cyd West from First Community Mortgage. She is the best lender I’ve worked with in my 35-year career. She’s going to tell us about the Texas Veteran Home Loan and how it can help many of you.

Cyd West

The Texas Veteran Home Loan is available to anyone who has served in the military in the past or is currently active. You must be stationed in the state of Texas and claim Texas as your home residence for tax purposes. You also must register with the state by filling out a short application form.

So, how can the loan help you? The Texas Veteran Home Loan can be combined with any VA, conventional or FHA loan. Most often it is paired with a VA for a no down payment option.

Texas loves its veterans and wants to make living here easy.  There is also a further discount for any veteran that received a service-related injury. In that case, the veteran would receive a half percent discount.

There is a one percent participation fee that is never waived. The VA funding loan is treated the same as a regular VA loan. If you are exempt from VA Loan funding fee then you will be exempt from Texas Veteran funding fee.

The Texas Veteran Loan also does conventional loans, but it does require a 10 percent down payment as well as private mortgage insurance.

I want to thank Jean for having me here today. If you have any questions about the Texas Veteran Home Loan, please give me a call at 254.690.3765 I’d be more than happy to help!

Get to Know Your Real Estate Agent: Jean Shine Biography

Hello, everyone. Welcome back to my video blog. Yesterday one of my clients asked me to tell them a little bit about myself. I was taken aback at first, but I thought that maybe you would like to know too.

To a lot of people’s surprise, I am not a native Texan. I am honored to say I am a true army brat. I was born in Germany and raised in France. My father got stationed in central Texas when I was in the fourth to ninth grade and I fell in love with it all.

I love the people, the community, everything about it! Unfortunately, we had to move again, but I still kept in contact with the friends I had made. Years later I came back for a wedding. At that wedding I met my husband.

He is a native to Bell County, eight family generations, actually! We married while he was in the service. After he served in Vietnam, he had the opportunity to get involved in his family’s business. So, we started our young, married life together. I have loved every minute of it. I was fortunate to be able to stay at home with my two sons as they grew up.

Some friends had encouraged me to get into real estate. I wasn’t sure if I would ever become a realtor, but I got licensed just in case. Slowly, I got more and more involved and found that I loved it. I wanted to help families integrate into our wonderful community. When you buy a home, it’s about more than just that property, it’s about the community, the people, everything!

My career started to boom once my boys went off to college. I am fortunate and honored to have been one of the top agents in the area for 20 years. And now I am part of a wonderful family team. My husband, both my sons and my nephew all work with me. I have the best of both worlds!

Thank you so much for watching. I hope my story helps you understand how much I truly care about our Central Texas community.