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Established in 2005 by Credit Unions, Member Home Loan, LLC (MHL) is a full service mortgage company and broker. As a Fannie Mae and Freddie Mac approved seller and servicer, we offer mortgage loan origination, processing, underwriting, closing and funding services.
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No, the Department of Veterans Affairs Program does not require a down payment and allows for 100% financing of the purchase price of the home, without mortgage insurance. The Texas Veteran loan can be a 100% financing as well when underwritten as a VA loan which it most commonly is (as opposed to a conventional of FHA loan).
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· VA home loans may be freely assumed if the loan closed before March 1, 1988. In these cases, the loan assumption is unrestricted–the buyer assumes the VA loan without requiring the approval of the bank or the VA. One caveat to this is that the veteran remains liable for any losses the VA may incur as a result of the loan assumption.