VA Loans - The HELPER Act
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Your dream is no different from those of your brothers and sisters of the U.S. military. You return home from honorable service and find the house of your dreams. Finding and qualifying for a mortgage loan should not be another uphill battle.


You fought enough in service to your country. It’s our turn at Heroes First Home Loans to fight for you and help you land your VA home loan. With the Heroes First Home Loans commitment to quick closings, you can look forward to winding down in the safety and comfort of your new home.




A VA home loan is a mortgage insured by the Department of Veterans Affairs (“VA”). Those eligible for VA loans include:

  • Active-duty military personnel
  • U.S. Military Veterans
  • Surviving spouses of military service persons who die while on duty or as a result of military service
  • Some reservists and National Guardsmen
  • 100% LTV is subject to Veterans Full Eligibility

The typical VA loan offers 100% financing, meaning no down payment. Compared with a conventional, the VA loan has other benefits:

  • The interest rate on a VA loan is usually lower, keeping more money in your pocket.
  • Borrowers who take out VA loans only have to pay certain closing costs called ‘allowables.’ The other costs are paid either by the seller or by the lender making the loan.

The Heroes First Home Loans team believes in the Golden Rule: we treat you how we want to be treated—fairly, honestly, equally, and with full transparency. You’ll find, every military Veteran matters to us.


When you’ve found the home of your dreams, turn to Heroes First Home Loans for the VA loan that makes your dream come true. You can expect more from your Heroes First Home Loans borrowing experience. Imagine the peace of mind you’ll feel with our Heroes First Home Loans lending professionals on your side.

and with full transparency. You’ll find, every military Veteran matters to us.




In Texas, U.S. Veterans are also eligible for a home loan under the Veterans Housing Assistance Program enacted by the Texas State Legislature. Under the VLB program, eligible Texas Veterans can obtain up to $484,350. in financing toward the purchase of a new home located anywhere within the State of Texas. Some of the many features include:

  • Purchase either a new construction or existing single-family home; primary residence only.
  • 15-20-25- or 30-year terms, with as little as $0 down payment.
  • A fixed-rate mortgage loan with a lower interest rate.
  • Veterans with a 30% or more disability may qualify for additional interest rate reduction.
  • Loans are originated in conjunction with FHA, VA, or conventional financing and by a participating lender, such as Heroes First Home Loans.

*All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Guidelines subject to change.