VA Loan Guide for Veterans in Keller, Texas
Keller, Texas, offers a charming suburban lifestyle with a welcoming community, top-rated schools, and close proximity to Fort Worth.
This guide provides detailed information on VA loan benefits, eligibility requirements, and local resources available to veterans in Keller.
Whether you are looking for a home in one of Keller’s family-friendly neighborhoods or need guidance on navigating the VA loan process, this guide will help you make informed decisions about homeownership.
In this Article
VA Loan Eligibility Requirements for Veterans in Keller
To qualify for a VA loan, veterans, active-duty service members, and eligible surviving spouses must meet one of the following service requirements:
- Active-Duty Service Members: 90 consecutive days of active service during wartime or 181 days during peacetime.
- Veterans: Must meet the minimum active-duty service requirements depending on service period and discharge status.
- National Guard and Reserve Members: Six years of service or 90 days of active service under Title 10 orders.
- Surviving Spouses: Eligible if the spouse has not remarried and the veteran died in the line of duty or due to a service-related disability.
Obtaining a Certificate of Eligibility (COE) is necessary before applying for a VA loan. This can be acquired through the VA eBenefits portal or with assistance from a VA-approved lender.
Key Benefits of Using a VA Loan
VA loans provide significant advantages that help make homeownership more accessible and affordable for veterans and their families. Some of the key benefits include:
- No Down Payment: Finance 100% of the home’s value with no down payment required.
- No Private Mortgage Insurance (PMI): Save on monthly costs by avoiding PMI.
- Lower Interest Rates: VA loans often have lower interest rates compared to conventional loans.
- Flexible Credit Requirements: Veterans with lower credit scores may still qualify for a VA loan.
- Limited Closing Costs: The VA sets caps on certain closing costs, reducing the financial burden.
- No Prepayment Penalties: Pay off your mortgage early without penalties.
VA Loan Limits for Keller, Texas
Keller is located in Tarrant County, where the current VA loan limit is $806,500. This allows veterans to finance up to this amount without needing a down payment, making it easier to purchase a home in Keller’s competitive real estate market.
Comparison of Keller Housing Prices vs. Nearby Cities
| City | Median Home Price | Cost of Living Index | Population |
|---|---|---|---|
| Keller | $525,000 | 105.3 | 47,000 |
| Fort Worth | $375,000 | 98.2 | 958,000 |
| Southlake | $900,000 | 142.3 | 31,000 |
| North Richland Hills | $400,000 | 96.5 | 70,000 |
| Grapevine | $550,000 | 104.7 | 54,000 |
Best Veteran-Friendly Neighborhoods in Keller
Keller has several neighborhoods that are ideal for veterans and their families. Here are some of the top neighborhoods to consider:
Hidden Lakes: A master-planned community with excellent schools, golf courses, and plenty of green space.
Median Home Price: $600,000Marshall Ridge: Offers a variety of home styles and access to top-notch amenities, including pools, fitness centers, and walking trails.
Median Home Price: $525,000The Overton Ridge Estates: A tranquil neighborhood with larger lot sizes and proximity to shopping and dining.
Median Home Price: $700,000Heritage Trace: Features new construction homes and convenient access to schools, parks, and shopping.
Median Home Price: $450,000Keller Town Center: Close to Keller’s amenities and offers a mix of single-family homes and townhouses.
Median Home Price: $500,000Oakmont Hills: Known for its larger custom homes, Oakmont Hills provides a private and luxurious living environment.
Median Home Price: $850,000
Local Veteran Assistance Programs in Keller
Veterans in Keller have access to numerous local resources and assistance programs to support homeownership and overall well-being.
Tarrant County Veterans Services Office
Provides assistance with VA benefits claims, disability compensation, and connections to local resources.
Website: Tarrant County Veterans Services
Contact: (817) 531-5645
Texas Veterans Land Board (TVLB) Loan Program
Offers low-interest loans for purchasing homes and land, tailored to the needs of Texas veterans.
Website: Texas Veterans Land Board
Contact: (800) 252-8387
City of Keller Homebuyer Assistance Program
Provides down payment and closing cost assistance for veterans and low-income homebuyers in Keller.
Website: City of Keller Housing Program
Contact: (817) 743-4000
Habitat for Humanity of Tarrant County – Veteran Homeownership Program
Supports veterans in achieving affordable homeownership through zero-interest mortgage loans and volunteer labor.
Website: Habitat for Humanity of Tarrant County
Contact: (817) 926-9219
Employment and Career Resources for Veterans in Keller
Veterans in Keller have access to career support programs to ease the transition to civilian employment and enhance career development.
Workforce Solutions for Tarrant County
Offers job placement assistance, resume services, and career counseling for veterans in Tarrant County.
Website: Workforce Solutions
Contact: (817) 413-4400
Texas Veterans Commission Employment Services
Provides specialized employment services, career placement, and training opportunities for veterans.
Website: Texas Veterans Commission
Contact: (512) 463-6564
Hiring Our Heroes Program
Connects veterans with local employers through job fairs, training workshops, and networking events.
Website: Hiring Our Heroes
Contact: (202) 463-5807
Healthcare and Mental Health Support for Veterans
Keller is served by several healthcare facilities and organizations that offer comprehensive medical and mental health services for veterans.
Fort Worth VA Clinic
Provides primary care, mental health services, and referrals to specialized care for veterans in the Keller area.
Website: Fort Worth VA Clinic
Contact: (817) 730-0000
Dallas VA Medical Center
Offers extensive healthcare services, including specialized care, mental health support, and rehabilitation for veterans.
Website: Dallas VA Medical Center
Contact: (214) 742-8387
Conclusion
Keller’s excellent schools, family-friendly neighborhoods, and proximity to Fort Worth make it an appealing option for veterans and their families. With a variety of housing options, veteran assistance programs, and access to quality healthcare and employment resources, Keller is an ideal place for veterans to settle and make use of their VA benefits.
