Irving VA Home Loans
VA Home Loans in Irving, TX - Your Trusted Army Veteran Mortgage Broker
🎖️ Why Choose Adam Bartling for Your Irving VA Home Loan?
When searching for the best VA loan lender in Irving, 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 Irving 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 Irving. 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 Irving, TX
💰 VA Purchase Loans - Zero Down Payment
Buying your dream home in Irving 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 Irving's diverse, thriving neighborhoods near DFW Airport and the Las Colinas Urban Center.
🔄 VA Refinance & IRRRL (Interest Rate Reduction Refinance Loan)
Already own a home in Irving? 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 Irving'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 Irving's beautiful communities? 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 dynamic Dallas-Fort Worth 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 Irving-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 Irving VA Loan Expert
1. Do I qualify for a VA loan in Irving?
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 Irving, 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 Irving?
Zero down payment required! This is one of the biggest advantages of VA loans. Adam Bartling helps Irving veterans and servicemembers achieve homeownership without the burden of saving for a down payment — making the dream of owning a home adjacent to DFW Airport and just minutes from Dallas immediately accessible. With median home prices around $375,000-$400,000, Irving offers exceptional value for the location 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 Irving 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 Irving?
Absolutely! Your VA loan benefit is reusable for life. Whether you're relocating to Irving for career opportunities at one of the 50+ Fortune 500 companies headquartered here, upgrading to a larger home in Las Colinas, 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 Irving, TX?
Great news — for borrowers with full entitlement, there are no loan limits! Irving'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 centrally-located DFW city.
6. How long does it take to close a VA loan in Irving?
With Adam Bartling's streamlined process and dedicated processor, most Irving 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 Irving?
While not required, Adam Bartling strongly recommends a professional home inspection for all Irving 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 Irving home — especially important in diverse neighborhoods from historic downtown to modern Las Colinas developments.
8. Can I buy a fixer-upper with a VA loan in Irving?
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 Irving properties simultaneously — combining purchase price and renovation costs into one loan. This is perfect for properties in Historic Downtown Irving needing updates!
9. Will my VA loan be competitive in Irving's housing market?
YES! VA loans are highly competitive, especially with proper preparation. Adam Bartling provides strong pre-approvals that show Irving sellers you're a serious, qualified buyer. Many Irving-area real estate agents recognize Adam's reputation for closing on time, making your offer stand out in this dynamic Dallas-Fort Worth 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 Irving veterans, giving you a significant advantage when making offers on Irving homes. This demonstrates to sellers that your financing is solid, not just hopeful — critical in Irving's competitive market adjacent to DFW Airport!
🌟 Why Irving, TX is Perfect for Veterans & Military Families
✨ Top 5 Reasons Veterans Love Living in Irving:
✈️ Adjacent to DFW International Airport - Ultimate Accessibility - Irving sits directly adjacent to Dallas/Fort Worth International Airport, one of the world's largest and busiest airports! This strategic location offers unparalleled convenience for veterans with family across the country or those who travel frequently for work. The DART Orange Line light rail connects Irving directly to the airport terminals, downtown Dallas, and throughout the metroplex. Whether you're catching a flight or picking up visiting family, Irving's location can't be beaten. Major employers near the airport and throughout Irving create excellent career opportunities for transitioning veterans and military spouses!
🏙️ Las Colinas - Master-Planned Excellence & Entertainment Paradise - Irving is home to the iconic 12,000-acre Las Colinas Urban Center, one of America's premier master-planned communities! This stunning development features the world-famous Mustangs of Las Colinas (the largest equestrian sculpture in the world), the European-style Mandalay Canals with gondola rides, and the Toyota Music Factory — a 250,000-square-foot entertainment district with The Pavilion (converts from 4,000-seat indoor venue to 8,000-seat outdoor amphitheater), dozens of restaurants, bars, and free weekend concerts. Water Street on Lake Carolyn offers luxury living, dining, and entertainment with pathways perfect for staying active. For veterans who appreciate culture, entertainment, and community, Irving delivers!
💼 Fortune 500 Capital & Thriving Economy - Irving is home to the world headquarters of five Fortune 500 companies and has over 50 Fortune 500 companies with operations here! Major employers include ExxonMobil, Kimberly-Clark, Fluor Corporation, Citi, and Verizon. The median household income ranges from $79,641 to over $106,000, significantly above the national average. Texas has no state income tax, meaning more money in your pocket! Irving's robust economy, diverse industries, and strategic location between Dallas and Fort Worth create exceptional career opportunities for transitioning veterans. The city's international business presence (headquarters of over 2,000 companies) makes it a global hub perfect for veterans seeking high-growth careers!
🌳 80+ Parks & Family-Friendly Living - Irving boasts over 80 parks covering 2,000+ acres of green space! Enjoy Centennial Park with its history wall and bronze sculptures, Campión Trails (a 22-mile greenbelt perfect for running and cycling), beautiful Lake Carolyn for paddle boarding and water activities, and Victoria Park for family outings. With five 18-hole golf courses within city limits (including the Tournament Players Course at The Ritz-Carlton), outdoor recreation is never far away. Irving's diverse, welcoming community (43% Hispanic, 22.5% Asian, creating rich cultural experiences) combined with excellent schools make it ideal for military families. The city celebrates diversity with festivals, restaurants, and genuine Texas hospitality!
🎭 Culture, History & Entertainment Hub - Irving perfectly blends history with modern entertainment! Explore Historic Downtown Irving and Heritage District (established 1903) with antique shopping, museums, and the Ruth Paine House Museum. The Irving Arts Center hosts 10 resident arts organizations including orchestras, chorales, and dance companies. Major sports are minutes away — AT&T Stadium (Dallas Cowboys), American Airlines Center (Mavericks/Stars), and Six Flags Over Texas are all within 30 minutes! With Irving's central location, veterans enjoy big-city amenities with suburban affordability. The city's transportation infrastructure (DART light rail, proximity to I-635, I-30, and DFW Airport) makes commuting throughout the metroplex effortless!
📞 Contact Your Irving 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 Irving VA Loan Journey?
Whether you're purchasing your first home near DFW Airport, refinancing to lower your rate, building your dream home in Las Colinas, or exploring equity access options within Texas law, Adam Bartling is your Top Choice, Best-in-Class VA Mortgage Broker in Irving, 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 Irving veterans achieve homeownership and financial freedom through the power of their VA benefits.
Irving's unique combination of being adjacent to DFW International Airport, home to Las Colinas and 50+ Fortune 500 companies, the Toyota Music Factory entertainment district, 80+ parks, world-class dining, and perfect location between Dallas and Fort Worth makes it an ideal place for veterans to call home. With median household incomes above the national average, no state income tax, and zero down payment required on VA loans, homeownership in Irving is within reach TODAY.
Call 713-301-0007 or email adam@bartlinglending.com today for your free consultation and discover why Irving veterans choose BartlingLending.com as their Top Rated VA Home Loan solution!
Serving Irving, 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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DFW Metroplex Insight: From Las Colinas to Valley Ranch, Adam helps veterans navigate Irving's competitive real estate market with expert guidance.
Central location, exceptional VA loan service. Contact Adam Bartling in Irving.