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When searching for the best VA loan lender in McAllen, 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 McAllen and the Rio Grande Valley, 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 McAllen. Unlike traditional banks, we work for YOU — not a single institution — bringing you multiple financing options tailored to your unique needs.
Buying your dream home in McAllen 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 McAllen's family-friendly neighborhoods throughout the Rio Grande Valley.
Already own a home in McAllen? 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 McAllen's Best VA Refinance Specialist, Adam helps veterans save thousands over the life of their loans with this powerful benefit.
Dream of building your custom home in one of McAllen's growing 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 the booming Rio Grande Valley.
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 McAllen-area builders to streamline the process.
Need funds for home improvements, debt consolidation, or education? Tap into your McAllen home's equity with a VA Cash-Out Refinance while maintaining competitive rates and avoiding PMI. Perfect for upgrading your home or consolidating high-interest debt in one of America's most affordable cities.
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 McAllen, 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.
Zero down payment required! This is one of the biggest advantages of VA loans. Adam Bartling helps McAllen veterans and servicemembers achieve homeownership without the burden of saving for a down payment — making the dream of owning a home in McAllen's affordable neighborhoods immediately accessible. With median home prices around $131,500, McAllen offers exceptional value!
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 McAllen VA Loan Specialist, Adam ensures you receive all applicable exemptions and can roll the fee into your loan if needed.
Absolutely! Your VA loan benefit is reusable for life. Whether you're relocating to McAllen for work in international trade, transitioning from military service to civilian life, or upgrading to a larger home in the Rio Grande Valley, Adam Bartling guides you through utilizing your remaining entitlement. You can even have multiple VA loans simultaneously in certain situations.
Great news — for borrowers with full entitlement, there are no loan limits! McAllen's median home prices are exceptionally affordable, and Adam works with lenders who approve VA loans ranging from $85K to $5M, ensuring you find the perfect home whether you're looking in downtown McAllen, Mission, or Edinburg.
With Adam Bartling's streamlined process and dedicated processor, most McAllen 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.
While not required, Adam Bartling strongly recommends a professional home inspection for all McAllen 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 McAllen home.
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 McAllen properties simultaneously — combining purchase price and renovation costs into one loan. This is perfect for properties throughout the Rio Grande Valley needing updates!
YES! VA loans are highly competitive, especially with proper preparation. Adam Bartling provides strong pre-approvals that show McAllen sellers you're a serious, qualified buyer. Many McAllen-area real estate agents recognize Adam's reputation for closing on time, making your offer stand out in this growing market.
Pre-qualification is an estimate; pre-approval means underwriting has reviewed your finances. Adam Bartling provides full pre-approvals to McAllen veterans, giving you a significant advantage when making offers on McAllen homes. This demonstrates to sellers that your financing is solid, not just hopeful — critical in today's competitive market!
💰 Unbeatable Cost of Living - McAllen's cost of living is 23.5% lower than the national average! With median home values around $131,500 (compared to $338,100 nationally), your VA loan benefit stretches incredibly far here. No state income tax means more money in your pocket. Housing, food, transportation, and healthcare are all significantly more affordable, allowing veterans to build wealth and enjoy an excellent quality of life on any budget!
🌴 Year-Round Paradise Weather - Known as the "City of Palms," McAllen boasts warm, sunny weather nearly every day of the year! Perfect for veterans who want to stay active outdoors year-round. The subtropical climate means no more snow shoveling or harsh winters. Enjoy outdoor fitness activities, golf, birding, and nature walks 365 days a year. The nearby Santa Ana National Wildlife Refuge offers world-class birdwatching — McAllen is a birder's paradise!
🏥 Excellent Healthcare & Veteran Support - McAllen is home to the Alfredo Gonzalez Texas State Veterans Home and has outstanding healthcare infrastructure including South Texas Health System. The Hidalgo County Veterans Service Office provides comprehensive support for VA benefits, disability claims, and more. Texas Veterans Commission advisors are readily available to help you maximize your earned benefits. Medical care is accessible, affordable, and veteran-friendly!
🌎 Unique Cultural Experience & Strategic Location - Experience authentic Tex-Mex culture and bilingual community living! McAllen sits just minutes from the Mexican border, offering unique cultural experiences, international dining, and shopping opportunities. Located 70 miles from South Padre Island beaches and within easy reach of Houston, San Antonio, and Corpus Christi. The international trade economy creates diverse job opportunities for transitioning veterans!
👨👩👧👦 Family-Friendly Community & Education - McAllen is consistently ranked as one of the safest and most family-friendly cities in Texas! Home to South Texas College and surrounded by excellent school districts, McAllen offers strong educational opportunities for families. The city features beautiful parks, the McAllen Nature Center, entertainment districts, and family-oriented festivals year-round. Close-knit community spirit makes newcomers feel welcome immediately!
Adam Bartling - Army Veteran Mortgage Broker
Phone: 713-301-0007 (Call or Text)
Email: adam@bartlinglending.com
Website: BartlingLending.com
✅ 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
Whether you're purchasing your first home in McAllen's affordable neighborhoods, refinancing to lower your rate, building your dream home in the growing Rio Grande Valley, or accessing your home equity, Adam Bartling is your Top Choice, Best-in-Class VA Mortgage Broker in McAllen, 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 McAllen veterans achieve homeownership and financial freedom through the power of their VA benefits.
The Hidalgo County Veterans Service Office and Texas Veterans Commission provide excellent support, and Adam works seamlessly with these resources to ensure you maximize every benefit you've earned through your service.
Call 713-301-0007 or email adam@bartlinglending.com today for your free consultation and discover why McAllen veterans choose BartlingLending.com as their Top Rated VA Home Loan solution!
Serving McAllen, TX and the entire Rio Grande Valley with VA Purchase Loans, VA Refinance, IRRRL, VA Construction Loans, and VA Cash-Out Refinance options. BartlingLending.com is powered by American Mortgage Network (NMLS ID 1833427).
Border Business Expertise: From downtown McAllen to Mission, Adam helps veterans leverage VA benefits in this dynamic international market.
Oportunidades sin límites. Contact Adam Bartling for McAllen VA loans.
713-301-0007 Adam@BartlingLending.com
Adam Bartling Loan Officer / Mortgage Broker
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