How much down payment is required for a VA loan in Irving?

Zero down payment required. VA loans allow Irving veterans to purchase homes without any down payment, saving significant money in this prime DFW location.

Can I get a VA Cash-Out Refinance in Texas?

No. VA Cash-Out Refinances are not available in Texas due to state constitutional law under Section 50(a)(6). Veterans can utilize VA IRRRLs for rate reductions or explore conventional alternatives.

🏠 VA Home Loans in Irving, TX

Q: Do I qualify for a VA loan in Irving, TX?

Active-duty servicemembers, veterans, National Guard members, reservists, and eligible surviving spouses typically qualify. Adam Bartling, a Trusted Army Veteran Loan Officer, can verify eligibility within minutes and help obtain your Certificate of Eligibility (COE). Most lenders require a minimum 620 credit score.

Q: What are VA loan limits in Irving, TX?

For borrowers with full entitlement, there are no VA loan limits. Adam Bartling works with lenders approving VA loans from $85,000 to $5 million for Irving properties.

Q: How long does it take to close a VA loan in Irving?

Most VA purchase loans close in 30-45 days. IRRRL refinances can close in 2-3 weeks with Adam Bartling's streamlined process.

Q: What is a VA IRRRL refinance?

The Interest Rate Reduction Refinance Loan (IRRRL) is a VA streamline refinance that allows veterans to lower their interest rate with minimal paperwork, no appraisal in most cases, and a reduced 0.5% funding fee.

Q: Can I build a new home with a VA loan in Irving?

Yes! Adam Bartling specializes in VA One-Time Close Construction loans and VA Construction-to-Permanent loans, allowing Irving veterans to build their dream home with $0 down payment.

Q: What is the VA funding fee?

Typically 2.15% for first-time VA purchase loans (0.5% for IRRRL). Veterans with 10%+ service-connected disability, Purple Heart recipients, and surviving spouses are exempt from the funding fee.

Q: Can I use my VA loan benefit more than once?

Yes! Your VA loan benefit is reusable for life. You can even have multiple VA loans simultaneously in certain situations. Adam Bartling can help you understand your remaining entitlement.

Q: Are VA loans competitive in Irving's housing market?

Absolutely! Adam Bartling provides strong pre-approval letters that compete with conventional offers. Many Irving real estate agents know his reputation for on-time closings and smooth transactions.

Looking for the best VA loan lender in Irving, Texas? Welcome to Bartling Lending Partners, your trusted Army Veteran-owned direct lender serving Irving and the entire Dallas-Fort Worth Metroplex. Adam Bartling, a Trusted Army Veteran Loan Officer, understands the unique challenges and benefits of military homeownership firsthand. Irving—home to Las Colinas, the iconic Mustangs of Las Colinas sculpture, and corporate headquarters for ExxonMobil, Kimberly-Clark, and Fluor—offers veterans an unbeatable combination of career opportunities, urban amenities, and prime DFW location just minutes from DFW International Airport. As a direct lender with Movement Mortgage, we provide faster decisions and smoother closings. Whether you’re active-duty, a veteran transitioning to a Fortune 500 career, or a military family seeking sophisticated urban living—we’re here to guide you home with $0 down, no PMI, and the respect your service deserves. Serving Texas & 40+ States!

$0 Down Payment

$0 Monthly PMI

580+ Credit Score

30-45 Days to Close

📞 Get Your Free VA Loan Consultation

📊 Irving VA Loan Market Snapshot

$385K Median Home Price

4.5% Veteran Population

$250K-$750K Typical Price Range

48 Days Avg Days on Market

🎖️ Why Choose Adam Bartling & His Team for Your Irving VA Home Loan?

When it comes to VA loans in Irving, you deserve a Trusted Army Veteran Loan Officer who fights for YOUR best rate—not the bank’s bottom line.

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No Upfront Credit Check

Start your journey risk-free—explore options without impacting your credit score

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Direct Lender Advantage

Movement Mortgage is a direct lender—faster decisions, smoother closings for you

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Education-First Approach

Understanding before committing—no pressure, just clear guidance

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Dedicated Processor

Same team throughout your entire process—from application to closing

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Lender for Life

Annual real estate reviews for continued success—we’re here for the long haul

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Military Understanding

Adam speaks your language and respects your service—veteran helping veterans

🔑 VA Loan Options in Irving, Texas

Whether you’re buying your first home, building your dream property, or refinancing to save money—we have a VA solution tailored for Irving veterans.

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VA Purchase Loan

Buy your Irving home with $0 down and no PMI. Perfect for Las Colinas, Valley Ranch, Hackberry Creek, and North Irving neighborhoods. Take advantage of your hard-earned VA benefit in one of DFW’s most desirable cities!

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VA IRRRL (Streamline Refinance)

Already have a VA loan? Lower your interest rate with minimal paperwork, no appraisal (most cases), and only a 0.5% funding fee. Close in as little as 2-3 weeks!

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VA One-Time Close Construction

Build your dream home in Irving with one loan, one closing. Lock your rate before construction begins—no double closings, no refinancing required!

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VA Construction-to-Permanent

Two-phase financing that converts to permanent VA mortgage. Maximum flexibility during the build process with all VA benefits intact.

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Important Texas Notice: Cash-Out Refinance Restrictions

VA Cash-Out Refinances are NOT available in Texas due to Texas Constitution Article XVI, Section 50(a)(6). This state law restricts cash-out refinancing for all Texas homeowners, regardless of loan type.

Adam Bartling can help you explore alternative equity solutions that comply with Texas law, including conventional options and home equity lines of credit (HELOCs).

📚 Learn more about VA loan options →

📊 VA vs. Conventional vs. FHA in Irving

See why VA loans are often the best choice for eligible Irving veterans and military families.

Feature	VA Loan	Conventional	FHA
Down Payment	0%	3-20%	3.5%
Mortgage Insurance	None (No PMI)	Required under 20%	Required for life of loan
Min. Credit Score	580-620	620+	580+
Interest Rates	Typically Lowest	Market rates	Competitive
Seller Paid Closing Costs	Up to 100%	3-6%	6%
Loan Limits	None (Full Entitlement)	Conforming limits apply	FHA limits apply
Reusable Benefit	Yes – Unlimited!	N/A	N/A

Ready to Use Your VA Benefits in Irving?

Get started with a veteran who understands your needs—no obligation, no pressure.

🎯 Schedule Your Free Consultation

No credit check required • Free consultation • No obligation

❓ Top 10 VA Home Loan Questions — Answered by Your Irving VA Loan Expert

Get answers to the most-searched VA loan questions from Adam Bartling, your Trusted Army Veteran Loan Officer in the Dallas-Fort Worth area.

1 Do I qualify for a VA loan in Irving, TX?

Active-duty servicemembers, veterans with honorable discharge, National Guard members, reservists with 6+ years of service, and eligible surviving spouses typically qualify for VA loans. Adam Bartling, your Trusted Army Veteran Loan Officer, can verify your eligibility within minutes and help you obtain your Certificate of Eligibility (COE). Most lenders require a 620+ credit score, but we work with scores as low as 580 for qualified Irving borrowers. Call 713-301-0007 to check your eligibility today!

2 How much down payment do I need for a VA loan in Irving?

Zero down payment required! This is one of the most powerful benefits of the VA loan program. With Irving’s median home price around $385,000, this saves you $77,000+ compared to a conventional 20% down payment. Adam Bartling helps Irving veterans maximize this benefit while providing competitive rates as a direct lender.

3 What is the VA funding fee and who is exempt?

The VA funding fee is typically 2.15% for first-time VA purchase loans with $0 down (1.25% with 5%+ down). For VA IRRRL refinances, it’s only 0.5%. Great news: Veterans with 10%+ service-connected disability, Purple Heart recipients, and surviving spouses are completely exempt from the funding fee—saving thousands! Adam Bartling will help you determine your exemption status.

4 Can I use my VA loan benefit more than once?

Yes! Your VA loan benefit is reusable for life. You can even have multiple VA loans simultaneously in certain situations (such as PCS moves). Whether you’re buying your first Irving home or your fifth, Adam Bartling can help you understand your remaining entitlement and maximize your benefits.

5 Are there VA loan limits in Irving, TX?

With full entitlement, there are no VA loan limits! Adam Bartling works with lenders approving VA loans from $85,000 to $5 million for Irving properties. Whether you’re looking at a condo in Las Colinas or an executive home in Valley Ranch, we have you covered.

6 How long does it take to close a VA loan in Irving?

Most Irving VA purchase loans close in 30-45 days. VA IRRRL (Interest Rate Reduction Refinance Loan) streamline refinances can close in as little as 2-3 weeks! Adam Bartling’s dedicated processor with Movement Mortgage ensures smooth, on-time closings that Irving real estate agents trust.

7 What is a VA IRRRL refinance and how does it work?

The Interest Rate Reduction Refinance Loan (IRRRL), also called a VA Streamline Refinance, allows veterans with existing VA loans to lower their interest rate with minimal paperwork, no appraisal in most cases, and a reduced 0.5% funding fee. It’s one of the fastest ways to save money on your Irving mortgage. Contact Adam Bartling at 713-301-0007 to see if an IRRRL makes sense for you.

8 Can I build a new home with a VA loan in Irving?

Absolutely! Adam Bartling specializes in VA One-Time Close Construction loans and VA Construction-to-Permanent loans. Build your dream home in Irving with $0 down payment! The One-Time Close option features one loan and one closing—lock your rate before construction even begins.

9 Can I do a VA Cash-Out Refinance in Texas?

No. VA Cash-Out Refinances are NOT available in Texas due to Texas Constitution Article XVI, Section 50(a)(6). This state law restricts cash-out refinancing for all Texas homeowners. Adam Bartling can discuss conventional cash-out alternatives and HELOCs that comply with Texas law to help you access your home equity.

10 Are VA loans competitive in Irving’s housing market?

Absolutely! Adam Bartling provides strong pre-approval letters that compete head-to-head with conventional offers. Many Irving real estate agents specifically recommend working with Adam because of his reputation for on-time closings and smooth transactions. Don’t let anyone tell you VA loans aren’t competitive—that’s outdated thinking!

🏥 Military & Veteran Resources Near Irving

🏥 VA Healthcare: Dallas VA Medical Center (10 miles) • Fort Worth VA Outpatient Clinic (25 miles)
🎖️ Nearest Military Base: Naval Air Station Fort Worth JRB (20 miles) • DFW Airport (5 miles)
📋 County VSO: Dallas County Veterans Services (214-653-7575)
🤝 Local Support: VFW Post 2494 Irving • American Legion Post 379 • Irving Veterans Memorial Park
🎓 Education: University of Dallas • North Lake College – Excellent GI Bill resources

🌟 Why Irving, TX is Perfect for Veterans & Military Families

Discover why Irving—home to Las Colinas and Fortune 500 headquarters—is an ideal destination for veterans seeking career opportunities and quality of life!

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Fortune 500 Corporate Hub

Irving is headquarters to ExxonMobil, Kimberly-Clark, Fluor, and Celanese—plus major operations for Microsoft, Verizon, and Citi. Veterans transitioning to corporate careers find exceptional opportunities here. Your military leadership skills are highly valued!
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Unbeatable DFW Airport Access

Irving literally surrounds DFW International Airport—one of the world’s busiest airports. Perfect for veterans with travel requirements, consulting careers, or families with loved ones stationed elsewhere. DART Orange Line provides direct airport access!
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Las Colinas Urban Center

Las Colinas is one of the nation’s first master-planned urban developments, featuring the iconic Mustangs of Las Colinas sculpture, Lake Carolyn waterfront, upscale dining, and walkable neighborhoods. Experience sophisticated living with a suburban feel!
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Arts, Entertainment & Culture

Home to the Irving Arts Center, Toyota Music Factory entertainment district, and the Four Seasons Resort at Las Colinas. Enjoy world-class concerts, fine dining, and cultural events minutes from home. The Pavilion at Toyota Music Factory hosts major acts year-round!
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Strong Schools & Higher Education

Irving ISD and Coppell ISD (parts of Irving) provide excellent educational options. University of Dallas offers private liberal arts education, while North Lake College provides affordable community college programs with strong veteran support services.

🏘️ Top Irving Neighborhoods & Communities for Veterans

Las Colinas Valley Ranch Hackberry Creek North Irving South Irving Lake Carolyn Cottonwood Valley University Hills MacArthur Park Bear Creek

🎖️ Meet Adam Bartling — Your Trusted Army Veteran Loan Officer

Adam Bartling

Trusted Army Veteran Loan Officer • NMLS #2213358

As a retired Army Captain, Adam Bartling understands the unique challenges military families face when buying a home. He’s walked in your boots and knows what it means to serve. That’s why he founded Bartling Lending Partners—to provide veteran-focused mortgage solutions with the respect and dedication you deserve.

As a Loan Officer with Movement Mortgage (NMLS #39179), Adam is a direct lender—meaning faster decisions and smoother closings for you. His education-first approach ensures you understand every option before making a decision. With a dedicated processor handling your file from start to finish, you’ll never feel like just another number.

Serving Texas & 40+ States | 📞 713-301-0007 | ✉️ adam@bartlinglending.com

🇺🇸 ⭐ 🎖️ 🦅

🔧 Helpful VA Loan Tools & Resources

🧮 Mortgage Calculator 📋 VA Loan Guide 📉 VA IRRRL Refinance 🏗️ VA Construction Loans 📞 Contact Us

🗺️ VA Loans in Nearby Texas Cities

Dallas Fort Worth Arlington Grand Prairie Carrollton Coppell Grapevine

Start Your Irving VA Loan Journey Today!

Partner with an Army Veteran who understands your service and fights for YOUR best rate.

📞 713-301-0007

✉️ adam@bartlinglending.com

🚀 Get Started Now — It’s Free!

No credit check required • Free consultation • No obligation • Serving Texas & 40+ States

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