VA loans are issued by private lenders, such as a mortgage company or bank, and guaranteed by the U.S. Department of Veterans Affairs (VA). The VA Home Loan was created in 1944 by the United States government to help returning service members purchase homes without needing a down payment or excellent credit.
When it comes to buying a home, experts recommend purchasing a place that costs about 2.6 times a household’s annual income. In Texas, one of the biggest gaps between income and home value was in ZIP.
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