Frisco VA Home Loans
VA Home Loans in Frisco, TX - Your Trusted Army Veteran Mortgage Broker
🎖️ Why Choose Adam Bartling for Your Frisco VA Home Loan?
When searching for the best VA loan lender in Frisco, Texas, look no further than Adam Bartling, an Army Veteran Mortgage Broker who understands your service and sacrifice firsthand. As a Top Rated, Trusted Mortgage Broker serving Frisco and the greater Dallas-Fort Worth metroplex, Adam brings military experience and mortgage expertise together to serve those who've served our country.
At BartlingLending.com, we shop multiple top lenders who compete for your business, ensuring you get the most competitive VA loan rates in Frisco. Unlike traditional banks, we work for YOU — not a single institution — bringing you multiple financing options tailored to your unique needs.
🔑 Top VA Loan Options in Frisco, TX
💰 VA Purchase Loans - Zero Down Payment
Buying your dream home in "Sports City USA" has never been easier! VA purchase loans require no down payment and no private mortgage insurance (PMI), making homeownership accessible immediately. Adam Bartling, your Top Choice VA Mortgage Broker, guides you through every step — from pre-qualification to closing — ensuring a smooth home-buying experience in Frisco's thriving master-planned communities.
🔄 VA Refinance & IRRRL (Interest Rate Reduction Refinance Loan)
Already own a home in Frisco? Lower your monthly payment with a VA refinance! The IRRRL (pronounced "Earl") is a streamlined refinance option that requires minimal documentation and features a low 0.5% funding fee. As Frisco's Best VA Refinance Specialist, Adam helps veterans save thousands over the life of their loans with this powerful benefit.
🏗️ VA One Time Close Construction Loan
Dream of building your custom home in one of Frisco's beautiful new developments? The VA One Time Close Construction Loan combines construction financing and permanent financing into a single loan — locking in today's rates while your home is being built. Adam Bartling specializes in these complex transactions, making your construction dreams a reality in this booming North Dallas suburb.
🔨 VA Construction to Permanent Loan
Transform your vision into reality with a VA Construction to Permanent Loan! This flexible option allows you to purchase land, build your home, and convert to permanent financing — all with your VA benefit. Adam works with trusted Frisco-area builders to streamline the process.
⚠️ Important Note About VA Cash-Out Refinance in Texas
Texas veterans should be aware: VA Cash-Out Refinances are NOT available in Texas due to state constitutional law under Section 50(a)(6). This Texas-specific restriction protects homeowners by limiting cash-out refinancing to conventional loans only. However, veterans can still access equity through conventional cash-out refinances (with 12-month waiting period requirements) or utilize VA IRRRLs for rate reductions. Adam Bartling, your Trusted VA Loan Expert, can explain alternative equity access strategies that work within Texas law.
❓ Top 10 VA Home Loan Questions - Answered by Your Frisco VA Loan Expert
1. Do I qualify for a VA loan in Frisco?
If you're an active-duty servicemember, veteran, National Guard member, reservist, or eligible surviving spouse, you likely qualify! Adam Bartling, your Trusted Army Veteran Mortgage Broker in Frisco, can verify your eligibility within minutes and help you obtain your Certificate of Eligibility (COE). Most lenders require a minimum credit score of 620, though exceptions exist. Call 713-301-0007 to discuss your specific situation.
2. How much down payment do I need for a VA loan in Frisco?
Zero down payment required! This is one of the biggest advantages of VA loans. Adam Bartling helps Frisco veterans and servicemembers achieve homeownership without the burden of saving for a down payment — making the dream of owning a home in one of America's safest and fastest-growing cities immediately accessible. With median home prices around $560,000-$694,000, Frisco offers exceptional value for the quality of life and amenities!
3. What is the VA funding fee, and can I avoid it?
The VA funding fee (typically 2.15% for first-time use purchase loans, 0.5% for IRRRL refinances) helps sustain the VA loan program. However, veterans with a service-connected disability rating of 10% or higher, Purple Heart recipients, and certain surviving spouses are exempt from this fee. As your Top Rated Frisco VA Loan Specialist, Adam ensures you receive all applicable exemptions and can roll the fee into your loan if needed.
4. Can I use my VA loan more than once in Frisco?
Absolutely! Your VA loan benefit is reusable for life. Whether you're relocating to Frisco for career opportunities, upgrading to a larger home in a master-planned community, or purchasing an investment property, Adam Bartling guides you through utilizing your remaining entitlement. You can even have multiple VA loans simultaneously in certain situations.
5. What are VA loan limits in Frisco, TX?
Great news — for borrowers with full entitlement, there are no loan limits! Frisco's housing market is competitive but accessible with your VA benefit, and Adam works with lenders who approve VA loans ranging from $85K to $5M, ensuring you find the perfect home in this dynamic North Dallas community.
6. How long does it take to close a VA loan in Frisco?
With Adam Bartling's streamlined process and dedicated processor, most Frisco VA loans close in 30-45 days. IRRRL refinances can close even faster — sometimes in as little as 2-3 weeks! Adam's educational-first approach means you're never left wondering about the next step — transparency and communication are guaranteed throughout your journey.
7. Do VA loans require a home inspection in Frisco?
While not required, Adam Bartling strongly recommends a professional home inspection for all Frisco properties. The VA appraisal ensures the home meets minimum property requirements, but an independent inspection protects your investment and provides peace of mind about your future Frisco home — especially important in master-planned communities with HOAs.
8. Can I buy a fixer-upper with a VA loan in Frisco?
Properties must meet VA's Minimum Property Requirements (MPRs) at closing. However, Adam specializes in VA Renovation Loans, which allow you to purchase and improve Frisco properties simultaneously — combining purchase price and renovation costs into one loan. This is perfect for properties in established Frisco neighborhoods needing updates!
9. Will my VA loan be competitive in Frisco's housing market?
YES! VA loans are highly competitive, especially with proper preparation. Adam Bartling provides strong pre-approvals that show Frisco sellers you're a serious, qualified buyer. Many Frisco-area real estate agents recognize Adam's reputation for closing on time, making your offer stand out in this competitive North Dallas market.
10. What's the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate; pre-approval means underwriting has reviewed your finances. Adam Bartling provides full pre-approvals to Frisco veterans, giving you a significant advantage when making offers on Frisco homes. This demonstrates to sellers that your financing is solid, not just hopeful — critical in one of Texas's fastest-growing cities!
🌟 Why Frisco, TX is Perfect for Veterans & Military Families
✨ Top 5 Reasons Veterans Love Living in Frisco:
🏈 Home to The Star - Dallas Cowboys World Headquarters - Frisco proudly hosts The Star, the iconic 91-acre campus serving as the Dallas Cowboys' world headquarters and practice facility! Veterans can watch America's Team practice, tour the state-of-the-art Ford Center, explore the Ring of Honor, and experience behind-the-scenes access with VIP tours. The Star District offers premier dining, shopping, entertainment, and even includes Pete's Dueling Piano Bar and the Dallas Open professional tennis tournament. Sports City USA also hosts FC Dallas (MLS), Frisco RoughRiders (Texas Rangers AA affiliate), Texas Legends (Mavericks G League), and the National Soccer Hall of Fame at Toyota Stadium. For sports-loving veterans, this is paradise!
⛳ PGA of America Headquarters & Championship Golf - Frisco is the new home of the PGA of America! The stunning Omni PGA Frisco Resort features TWO championship 18-hole courses, a 10-hole par-3 course, and the incredible 2-acre putting course called "The Dance Floor." Whether you're a serious golfer or enjoy Topgolf with family, Frisco delivers world-class golf experiences. The PGA District includes 13 dining options, entertainment venues, resort pools, and a full-service spa — creating the ultimate "Modern Golf" destination. Veterans appreciate Frisco's four additional first-class golf courses throughout the city!
🛡️ #10 Safest Suburb in America & Outstanding Veteran Support - Frisco ranks as the 10th safest suburb in America (SmartAsset 2025)! Low crime rates, family-friendly neighborhoods, and award-winning schools make Frisco ideal for military families. The Frisco Veterans Advisory Committee works directly with Mayor Jeff Cheney to position Frisco as a "Veteran-ready community" — not just Veteran-friendly. VFW Post 8273 provides exceptional camaraderie and support services. The Veterans Resource Center of Dallas serves the area with employment assistance, housing support, and mental health resources. With median household income of $146,158, excellent career opportunities, and Texas's no state income tax, veterans thrive financially!
🏘️ Master-Planned Communities & Explosive Growth - Frisco experienced 71% population growth between 2010-2020, making it one of America's fastest-growing cities! Over 200,000 residents enjoy pristine master-planned communities with top-tier amenities, parks, trails, pools, and recreation. Stonebriar Centre offers 9+ million square feet of retail and dining with 400+ restaurants. HALL Park features the Texas Sculpture Garden (largest private contemporary sculpture collection open to the public), plus the new Kaleidoscope Park with public art, concerts, and family entertainment. Frisco Commons Park offers fishing, splash pads, trails, and massive playgrounds. Veterans find modern infrastructure, excellent schools (Frisco ISD ranks among Texas's best), and a welcoming community!
🚀 Prime Location & Career Opportunities - Just 25 minutes north of downtown Dallas and close to both DFW International and Love Field airports, Frisco offers suburban tranquility with big-city access! Major employers include the Dallas Cowboys, PGA of America, Nebraska Furniture Mart, T-Mobile, JPMorgan Chase, Frito-Lay, FedEx, and dozens of corporate headquarters relocating to Frisco's thriving business districts. Forbes ranked Frisco among "Best Places for Business and Careers." The city's commitment to innovation, technology, and economic development creates exceptional opportunities for transitioning veterans and military spouses. With world-class sports, entertainment, dining, shopping, and career prospects all in one place, Frisco truly is "The City That Plays!"
📞 Contact Your Frisco VA Loan Expert Today!
Adam Bartling - Army Veteran Mortgage Broker
Phone: 713-301-0007 (Call or Text)
Email: adam@bartlinglending.com
Website: BartlingLending.com
🎖️ What Makes Adam Bartling Different?
✅ No Upfront Credit Check - Start your journey risk-free
✅ Multiple Lender Shopping - We work for YOU, competing for the best rates
✅ Educational-First Approach - Understanding before committing
✅ Video Calls Available - See exactly how it works
✅ Dedicated Processor - Same team throughout your entire process
✅ Lender for Life - Annual real estate reviews for continued success
✅ Military Understanding - Adam speaks your language and respects your service
🚀 Ready to Start Your Frisco VA Loan Journey?
Whether you're purchasing your first home near The Star, refinancing to lower your rate, building your dream home in a master-planned community, or exploring equity access options within Texas law, Adam Bartling is your Top Choice, Best-in-Class VA Mortgage Broker in Frisco, TX.
Don't navigate the VA loan process alone. Partner with an Army Veteran who understands your service and a Trusted Mortgage Professional who delivers results. Adam Bartling has helped countless Frisco veterans achieve homeownership and financial freedom through the power of their VA benefits.
Frisco's combination of safety (10th safest suburb in America), explosive growth, Sports City USA attractions, PGA championship golf, excellent schools, strong veteran support, and prime North Dallas location makes it one of Texas's most desirable cities. With a higher-than-average median household income ($146,158) and zero down payment required on VA loans, homeownership in Frisco is within reach TODAY.
Call 713-301-0007 or email adam@bartlinglending.com today for your free consultation and discover why Frisco veterans choose BartlingLending.com as their Top Rated VA Home Loan solution!
Serving Frisco, TX and the entire Dallas-Fort Worth Metroplex with VA Purchase Loans, VA Refinance, IRRRL, and VA Construction Loans. BartlingLending.com is powered by American Mortgage Network (NMLS ID 1833427)
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