If you’re a Veteran, active-duty service member, or eligible survivor planning to buy in Central Texas in 2026 (Leander, Round Rock, Georgetown, Hutto, and nearby), your VA home loan benefit can be one of the strongest tools available. But misinformation is everywhere — and it can keep buyers from using a benefit they’ve earned.

Here are the most common VA loan myths vs facts, explained in plain English.

Myth #1: “VA loans require 20% down.”
Fact: VA-backed purchase loans generally don’t require a down payment, and the program also doesn’t require monthly mortgage insurance.

Myth #2: “VA loans are harder to close, so sellers won’t accept them.”
Fact: VA loans can close on a normal timeline when the file is solid and the lender is experienced. The key is strong pre-approval and clean documentation up front. In a slower market, sellers often care more about a reliable buyer, clean terms, and certainty than the loan type.

Myth #3: “You need perfect credit to use a VA loan.”
Fact: The VA itself doesn’t require a minimum credit score, though individual lenders may set their own requirements. Translation: you have options — and shopping lenders can matter.

Myth #4: “VA loans are ‘free.’”
Fact: There may be a VA funding fee, which is a one-time cost that can be paid at closing or financed into the loan (depending on your situation).

Myth #5: “You can use a VA loan for any property.”
Fact: VA loans are intended for a primary residence, and you’ll need to meet occupancy requirements.

Bottom line: In 2026, the best strategy is pairing your VA benefit with a smart offer plan — and a lender who knows VA guidelines inside and out.

Want my VA Roadmap for Central Texas (timeline + offer tips + trusted lender list)? DM me “VA” and I’ll send it.
Equal Housing Opportunity.