VA Loans Near Fort Hood & Killeen
Steven Kent, NMLS #1621847 · All Western Mortgage, NMLS #14210 · Last updated November 9, 2026
Eligible Veterans and service members with full VA entitlement can often buy near Fort Hood (also searched as Fort Cavazos) with no down payment and no monthly PMI, subject to lender approval and appraisal. Steven Kent, who grew up in Killeen in a military family, is a Texas-licensed loan officer (NMLS #1621847) with All Western Mortgage (NMLS #14210).
Hometown VA lending for Fort Hood & Killeen
I grew up in Killeen, where my parents still live and where my dad retired from the military. I graduated from Ellison High and I'm the only Killeen high school graduate to reach the major leagues, where I pitched in relief. Today I help military families buy near Fort Hood (also searched as Fort Cavazos) using the VA benefits they earned through service.
Steven Kent is a Texas-licensed loan officer (NMLS #1621847) with All Western Mortgage (NMLS #14210), serving Central Texas VA buyers alongside his DFW work.
“I'm closing loans for current and former pro baseball players.”
What a VA loan can do on a PCS to Fort Hood
- Start with your Certificate of Eligibility (COE). It shows your entitlement and whether you are exempt from the VA funding fee.
- Some lenders may count BAH along with base pay when they review income. How it is counted varies by lender, so review your LES with Steven.
- Many buyers start with PCS orders and work toward closing before they report. Timing is an option to discuss, not a promise.
- Closing can happen with a local title company, or remotely where the title company allows it.
- VA purchase loans require that you intend to live in the home as your primary residence. Steven confirms occupancy timing against your orders and report date.
Source details: VA.gov VA home loan limits and VA funding fee and closing costs.
Entitlement, funding fee, and loan limits
- Full entitlement: there is no VA loan limit. You can borrow what the lender approves and the appraisal supports, often with no down payment. (Source: VA.gov loan limits)
- Partial entitlement: if some entitlement is still tied to another VA loan, the county conforming loan limit is used to figure your remaining entitlement and any down payment. The 2026 baseline one-unit limit is $832,750, which applies in Bell and Coryell counties. (Sources: VA.gov loan limits; FHFA conforming loan limits)
- VA funding fee (VA chart effective April 7, 2023), purchase loans: first use with less than 5% down is 2.15%; 5% or more down is 1.5%; 10% or more down is 1.25%. After first use with less than 5% down it is 3.3% (1.5% and 1.25% with the larger down payments). The fee can be financed. (Source: VA.gov funding fee)
- Some buyers are exempt from the funding fee, for example Veterans receiving VA compensation for a service-connected disability and surviving spouses receiving Dependency and Indemnity Compensation (DIC). Your COE shows your status.
- VA loans do not require monthly private mortgage insurance (PMI).
Killeen, Harker Heights, Copperas Cove, Nolanville
- Killeen, Harker Heights, and Nolanville are in Bell County. Check the Bell CAD for property tax details.
- Copperas Cove is often in Coryell County. Confirm the parcel with the Coryell CAD.
- If Fort Hood is your duty station, your BAH rate comes from the DTMO BAH rate lookup.
- On your next PCS, many owners keep the home as a rental after meeting occupancy rules. Whether your next VA purchase needs a down payment depends on your remaining entitlement, so talk it through with Steven.
How working with Steven works
- Call or text 254-415-5664, or .
- Share your COE, LES, PCS orders if you have them, and ID.
- Review purchase options for your file. For VA refinance and IRRRL questions, see the VA loans overview.
- Close with a local title company, or remotely where title allows.
Steven Kent, NMLS #1621847 · All Western Mortgage, NMLS #14210
Fort Hood VA loan FAQ
Is Fort Cavazos the same as Fort Hood?
Yes. It is the same installation. It was renamed Fort Cavazos in 2023 and redesignated Fort Hood effective June 11, 2025. Searchers and older paperwork may still say Fort Cavazos.
Can I get a VA loan in Killeen with no down payment?
Often yes, if you have full entitlement, qualify with the lender, and the appraisal supports the price. See VA.gov for VA home loan limits.
Is there a VA loan limit in Bell County?
Not with full entitlement. With partial entitlement, the 2026 FHFA baseline one-unit limit of $832,750 is used to figure remaining entitlement.
What is the VA funding fee?
It is a one-time fee. For a first-use purchase with less than 5% down, it is 2.15% of the loan amount (VA chart effective April 7, 2023). Many Veterans receiving disability compensation, and certain others, are exempt. Check your COE.
Can I buy in Killeen before I report to Fort Hood?
Many buyers start with PCS orders and close remotely or during house-hunting leave. Occupancy timing is confirmed with the lender against your orders.
Can I keep my Killeen home and buy again on the next PCS?
Often, after you meet occupancy rules. Your remaining entitlement and your ability to qualify with both housing costs decide whether you need a down payment. Ask Steven for an entitlement review.
Who is Steven Kent?
Steven Kent is a Texas-licensed mortgage loan officer (NMLS #1621847) with All Western Mortgage (NMLS #14210). He grew up in Killeen in a military family, graduated from Ellison High, and is the only Killeen high school graduate to reach the major leagues, where he pitched in relief.
Do you only lend near Fort Hood?
No. Steven is licensed in Texas and the other states listed on the licensed states page. This page is for Fort Hood–area buyers; start at the VA loans overview for the broader picture.
PCS to Fort Hood or buying in Killeen? Talk with Steven Kent.
Steven Kent NMLS #1621847 · All Western Mortgage NMLS #14210 · Equal Housing Opportunity · Licensed in Texas and the other states on our licensed states page.