We are NOW licensed in the States of Texas, Oklahoma, and Arkansas.
VA LOAN
What Is a VA Loan?
A VA loan is a home loan program backed by the U.S. Department of Veterans Affairs and available to eligible veterans, active-duty service members, and certain surviving spouses. VA loans are intended for primary residences and are subject to VA and lender guidelines.
Down Payment Options
How Down Payments Work With VA Loans
VA loans may allow no down payment for eligible borrowers when certain entitlement and loan limit requirements are met. In some cases, a down payment may be required, depending on factors such as:
- Remaining VA entitlement
- Loan amount relative to county loan limits
- Prior use of VA benefits
Down payment requirements, if any, are determined during the loan review process.
Important Considerations
- VA loans may include a VA funding fee, unless exempt
- Entitlement restoration is subject to VA approval
- Eligibility does not guarantee loan approval
** VA loan eligibility, entitlement, and terms are subject to VA and lender guidelines and underwriting approval. Not all borrowers will qualify. **
Reusing VA Loan Benefits
Can VA Loan Benefits Be Used More Than Once?
Yes. VA loan benefits may be reused, provided eligibility and entitlement requirements are met.
Common Ways VA Benefits Are Reused
- Selling the previous home and paying off the VA loan, which may restore full entitlement
- Refinancing into a non-VA loan, allowing entitlement to be restored
- Using remaining entitlement to purchase another primary residence, subject to VA guidelines
Occupancy Requirement
Each VA loan must be used for a primary residence. Borrowers must certify intent to occupy the home as their primary residence within the timeframe required by VA guidelines.
STONE HOUSE MORTGAGE IS AN ASSUMED BUSINESS NAME OF CROSSPOINT HOME LOANS, LLC NMLS #2436566 IN THE STATE OF TEXAS. IN THE STATE OF ARKANSAS NMLS # 2436566 . MORTGAGE BROKER LICENSE IN THE STATE OF OKLAHOMA NMLS # MB016153. ALL INFORMATION CONTAINED HEREIN IS FOR INFORMATIONAL PURPOSES ONLY. RATES AND TERMS PROGRAMS SHOWN DO NOT DEMONSTRATE ALL OPTIONS OR PRICING STRUCTURES. THIS IS NOT AN OFFER TO EXTEND CREDIT OR A COMMITMENT TO LEND. ALL LOANS ARE SUBJECT TO UNDERWRITING APPROVAL. SOME PRODUCTS MAY NOT BE AVAILABLE IN ALL STATES AND RESTRICTIONS APPLY.
STONE HOUSE MORTGAGE © 2026 / ALL RIGHTS RESERVED.
For licensing information, go to www.nmlsconsumeraccess.org
TEXAS MORTGAGE COMPANY DISCLOSURE
ARKANSAS SECURITY DEPARTMENT
NMLS # 745181 STONE HOUSE MORTGAGE
EQUAL HOUSING OPPORTUNITY
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