Welcome Home, Plano Veterans!
Are you a Veteran, Active Duty Service Member, or eligible surviving spouse looking to purchase a home in Plano? You’ve earned home loan benefits through your service, and Adam Bartling & Team are here to help you maximize every advantage available in this thriving DFW suburb!
Meet Adam Bartling — Your Plano VA Loan Expert
Adam Bartling isn’t just another loan officer—he’s a fellow Army Veteran who personally understands the unique challenges and opportunities that come with military service. As a retired Army Captain, Adam has walked in your boots and knows what it means to serve.
As a Loan Officer with Movement Mortgage, a direct lender, Adam and his dedicated team provide expert guidance with faster decisions and reliable, on-time closings. Whether you’re transitioning from service to a corporate role at Toyota, JPMorgan, or Capital One, Adam & Team provide veteran-to-veteran service you can trust.
Adam Bartling
Army Veteran Loan Officer
NMLS# 2213358
📊 Plano VA Loan Market Snapshot
Current market data to help Plano veterans make informed decisions about buying with their VA benefit.
💡 What this means for veterans: Plano’s market has balanced with inventory up 46% year-over-year. With 63 days on market and homes selling at 97% of asking, veterans have real negotiating power. Your VA loan’s $0 down and no PMI gives you a competitive edge in Collin County’s premium market!
🎖️ Why Choose Adam Bartling & Team for Your Plano VA Loan?
When it comes to VA loans in Plano, you deserve a lender who understands military life. Adam Bartling is a fellow veteran who fights for YOUR best rate. Serving Texas & 30+ States.
Veteran-Owned, DFW Experts
Retired Army Captain who understands military families and career transitions. We know Plano’s corporate corridor and VA loans inside and out!
Direct Lender Advantage
Movement Mortgage is a direct lender—faster decisions, smoother closings, and no middlemen slowing down your loan.
Education-First Approach
Understand every option before committing. We explain everything in plain English—no pressure sales, just expert guidance.
Dedicated Processor
Same team from application to closing—consistent communication throughout your entire VA loan journey.
Lender for Life
Annual real estate reviews for continued success. We’re not just closing your loan—we’re your long-term mortgage partner.
No Upfront Credit Check
Start your journey risk-free—explore VA loan options without impacting your credit score.
Building Futures for Military Families
Your service brought you home. Now let us help you find your forever home in Plano. From corporate relocations to retirement, Plano’s safe neighborhoods, world-class schools, and thriving economy make it the perfect place for your next chapter.
LET’S TALKVA Loan Types Available in Plano
Whether you’re buying, building, or refinancing—Adam Bartling & Team have a VA solution for you!
🏡 VA Purchase Loan
$0 DownBuy your Plano home with $0 down and competitive rates. The flagship VA benefit for veterans.
- ✔ No down payment required
- ✔ No private mortgage insurance
- ✔ Competitive interest rates
- ✔ Seller can pay closing costs
📉 VA IRRRL (Streamline)
2-3 WkAlready have a VA loan? Lower your rate with minimal paperwork and fast closing.
- ✔ No appraisal required (most cases)
- ✔ Reduced funding fee (0.5%)
- ✔ Close in 2-3 weeks
- ✔ Roll costs into the loan
🔨 VA Construction Loan
1 CloseBuild your dream home in West Plano with a single loan—land, construction, and permanent financing!
- ✔ One closing, one set of fees
- ✔ Lock your rate before building
- ✔ $0 down on new construction
- ✔ Custom home options available
Learn more about our loan programs: VA Home Loans | Refinance | Construction Loans
Important Texas VA Loan Notice: Cash-Out Refinance Restrictions
Cash-Out Refinances are NOT available in Texas for VA loans due to Texas Constitution Article XVI, Section 50(a)(6) regulations. This state law restricts cash-out refinancing options for all Texas homeowners, including veterans in Plano.
However, Adam Bartling & Team can help you explore alternative solutions to access your home equity or achieve your financial goals within Texas regulations.
📊 VA vs. Conventional vs. FHA in Plano
See why VA loans are often the best choice for eligible Plano veterans.
💰 VA Loan Benefits for Plano Veterans
The VA loan program offers exceptional benefits that make homeownership more accessible in Plano’s competitive real estate market.
No Down Payment
Purchase your Plano home with $0 down
No PMI Required
Save hundreds monthly vs. conventional
Lower Rates
Often lower than conventional loans
Limited Closing Costs
Seller can pay all closing costs
Lifetime Benefit
Use your benefit multiple times
Flexible Credit
More forgiving than conventional
🌟 Why Plano, TX is Perfect for Veterans & Military Families
Discover why military families love calling Plano home—ranked #4 Safest City in Texas and home to 500+ corporate headquarters!
#4 Safest City in Texas
Crime rates well below national averages. Willow Bend and Kings Ridge are perfect for military families putting down permanent roots.
500+ Corporate Headquarters
Home to Toyota, JPMorgan Chase, Capital One, Liberty Mutual. Veterans transitioning to civilian careers find exceptional opportunities.
Award-Winning Schools (PISD)
National Blue Ribbon schools, 52%+ A ratings, IB programs. Texas Hazlewood Act provides tuition exemptions for veterans!
800-Acre Oak Point Park
Trails, fishing, nature preserves. Arbor Hills offers 200+ acres of hiking. Annual Balloon Festival—perfect for active military families!
Legacy West & Shops at Willow Bend
Upscale dining, entertainment, Legacy Hall food court, 125+ stores. World-class amenities with suburban tranquility!
No State Income Tax
Keep more of your military retirement and VA disability benefits. Median household income exceeds $120K!
⭐ What Plano Veterans Say About Adam Bartling & Team
Real stories from Plano veterans who trusted Adam & Team with their VA home purchase.
“After transitioning from the Army to Toyota’s Plano headquarters, I needed a lender who understood both military benefits and corporate relocations. Adam delivered with an exceptional rate and closed our Willow Bend home in 35 days. His military background made communication seamless!”
CPT (Ret.) James M.
Willow Bend, Plano • VA Purchase • 35-Day Close
★★★★★
“We relocated to Plano for my husband’s job at JPMorgan. Adam helped us navigate the VA loan process while I was still on active duty. He found us a better rate than three other lenders we contacted. The education-first approach meant no surprises at closing!”
MAJ Sarah & Tom K.
Legacy West, Plano • VA Purchase • Best Rate
★★★★★
“The VA construction loan process seemed overwhelming until Adam walked us through it step by step. His team was responsive and kept us informed throughout. We’re now building our dream home in West Plano with $0 down!”
Robert & Sarah M.
West Plano • VA Construction • $0 Down
★★★★★
❓ Plano VA Loan FAQs
Answers from Adam Bartling, your trusted Army Veteran Loan Officer in Plano.
Do I qualify for a VA loan in Plano?
Active-duty servicemembers, veterans, National Guard, reservists, and eligible surviving spouses typically qualify. Most lenders require 580-620 credit score. Adam can verify eligibility within minutes—no upfront credit check required!
How much can I borrow with a VA loan?
With full entitlement, there’s no VA loan limit—borrow as much as a lender will approve based on income and creditworthiness. Plano’s median is $540K, and your VA benefit has the purchasing power for Collin County’s market.
Can I compete in Plano’s market with a VA loan?
Absolutely! With 63 days on market and rising inventory, buyers have negotiating power. Adam provides verified pre-approval letters that Plano sellers and agents respect for on-time closings.
What is the VA Funding Fee?
2.15% for first-time purchase with $0 down (0.5% for IRRRL). Veterans with 10%+ service-connected disability, Purple Heart recipients, and surviving spouses are completely exempt!
Can I do a cash-out refinance in Texas?
Cash-Out Refinances are NOT available in Texas for VA loans due to Texas Constitution Section 50(a)(6). Adam can discuss conventional alternatives that comply with Texas law to help you access home equity.
How long to close a VA loan in Plano?
Most VA purchase loans close in 30-45 days. IRRRLs close in 2-3 weeks. VA construction loans typically 45-60 days. Movement Mortgage’s efficient process often beats these timelines!