Shirley Mueller · Sr. VP of Veteran Lending · CrossCountry Mortgage · NMLS #336103+1 888-795-9850Book a callApply now

Texas VA & Texas Vet loan specialist since 2003

Texas VA loans, handled by someone who's closed 3,000 of them.

Buy, build, renovate or refinance anywhere in Texas with a VA or Texas Vet loan. Applying is a soft credit pull, and my team reviews every file.

Apply now Book a 15-min call

✓ Soft credit pull only. Applying won’t affect your credit score.

  1. My team reviews your application as soon as it comes in.
  2. If you qualify, you get a pre-approval letter and a full itemized estimate.
  3. If you’re not there yet, you get a clear plan to get ready.
4.9 ★ from 95 Google reviews3,000+ VA loans closedAustin-based, serving all of Texas
Shirley Mueller, Texas VA loan specialist
Texas Vet rates this week
7.25%APR** 7.51%
6.75%30%+ disability · APR** 7.00%
Effective October 2, 2026 · disclosure

What do you want to do?

Pick your goal. Each guide is written for Texas veterans, with current VA and Veterans Land Board rules.

Buy a home with $0 downVA purchase loans with no monthly mortgage insurance.Build a new homeOne-time-close VA construction: land, build and mortgage in one loan.Buy a fixer-upperVA renovation loans roll repairs into your mortgage.Refinance or take cash outVA streamline (IRRRL) or Texas cash-out, explained plainly.Use a Texas Vet loanVeterans Land Board rates, with a discount at 30%+ disability.Disabled veteran benefitsNo funding fee, Texas property tax exemptions and more.

Texas Vet rates this week

Interest rate7.25%
APR**7.51%

30%+ VA disability rating: 6.75% (APR** 7.00%)

0% down · 15, 20, 25 & 30-year fixed. Set weekly by the Texas Veterans Land Board; effective October 2, 2026. Rate disclosure

VA loan rates

VA rates depend on your credit, loan amount, down payment and lock date, so I don’t post a one-size-fits-all number. Get your actual rate with a soft credit pull, or talk it through first.

Get my VA rate Book a 15-min call

No surprises at closing

What happens after you apply

The most common worry I hear is getting surprised at the closing table. So every applicant gets the full picture up front.

Shirley Mueller reviewing a VA loan application on her laptop
  1. 1
    Apply online in about 15 minutes
    A soft credit pull only. It won't affect your score.
  2. 2
    My team reviews your file
    Against VA guidelines, not one-size-fits-all lender overlays.
  3. 3
    Pre-approval letter and an itemized estimate
    Not ready yet? You get a clear plan for what to fix and when to come back.

Veterans who've closed with us

4.9 on GoogleExcellent — based on 95 Google reviews
★★★★★

Shirley and her team were an absolute pleasure to work with. They helped my wife and I obtain a VA Construction Loan which gave us the ability to build our dream home.

Kyle Boespflug · Google review
★★★★★

Great experience with them. Shirley and her team are awesome. They do everything to make sure it is a smooth process for a VA loan. I read a bunch of great reviews about them and went with them because of that. I highly recommend using Shirley at Cross Country Mortgage.

ERIC BAKER · Google review
★★★★★

It was great working with Shirley Mueller and team on my buyer’s home purchase in Houston, TX. The VA home loan process isn’t always easy so, it was great to work with someone who specializes in VA loans. Shirley made the process easy. I highly recommend her. Jamie Terry- Priority One Real Estate

Jamie Terry · Google review
★★★★★

Shirley was excellent to work with on our client’s VA home loan. VA loans can be tricky and it is so important to work with a loan officer that knows them well. Shirley did an excellent job!

Priority One Real Estate · Google review
★★★★★

Ms. Shirley and her team are the BEST. Clear communication, specialized VA knowledge, responsiveness, and reduced stress. Thank you all for your help .

Min Kyo · Google review
★★★★★

Great team!

Priscilla Segovia · Google review

Read all testimonials

Shirley Mueller meeting with a client

About Shirley Mueller

Texas VA loan specialist

Since 2003 Shirley has originated well over 3000 VA Loans. She has helped Veterans in almost every possible circumstance including active duty personnel deployed overseas, returning home, or with PCS orders…

She also regularly helps separated Veterans who may have income that includes Military retirement, disability and social security. And she frequently helps spouses of Veterans who find themselves handling the home purchase or VA loan refinance for their family.

More about Shirley →

Want every Texas rule in one place? See Shirley’s complete guide to VA loans in Texas, including property tax exemptions, Texas Veterans Land Board programs and Texas cash-out rules.

Run the numbers

Free calculators set up for Texas, plus 2026 housing allowance rates.

VA payment calculator →How much can I afford? →VA funding fee →DTI & residual income →Construction loan →VA disability + Texas tax relief →Texas BAH rates →

See all calculators →

Helping Veterans Achieve Homeownership in Texas

At CrossCountry Mortgage, we proudly help Texas Veterans and active military members take advantage of the VA home loan benefits they’ve earned. We’re based in Austin, TX and serve veterans across the entire state of Texas, offering clear, straightforward information and guidance on all VA home loan options.

Simplifying the VA Home Loan Process

Whether you’re buying your first home, refinancing, or building a custom home, our experienced team makes the Veteran home loan process simple and stress-free. VA mortgage loans require no down payment, offer competitive interest rates, and come with flexible qualifying guidelines—making homeownership more accessible for Texas veterans.

Build Your Dream Home With a VA Construction Loan

Ready to build from the ground up? We also help qualifying veterans get VA construction loans, covering every stage of your project—from lot purchase and design to final inspection. Our construction loan experts ensure you have peace of mind every step of the way.

Personalized Service for All Vet Loans

We understand the unique challenges military families face. That’s why we offer personalized support to help you navigate your VA loan with confidence—whether it’s a standard vet loan, a VA home loan, VA cash-out refinance, or a VA construction loan. We’re here to make sure you maximize your hard-earned benefits.

Contact Us for VA Loans in Texas

Our office is located at 6601 Vaught Ranch Rd #101, Austin, TX 78730, and we proudly serve veterans across Texas. Visit VALoansTexas.com or contact us today to learn more about your VA home loan options and get started with a trusted Texas VA lender.

Comparison

Compare VA Home Loan and Texas Vet Loan

VA Home LoanTexas Vet VA Home Loan
OverviewA VA loan is a government-backed mortgage program for eligible veterans & military personnel, known to make homeownership more accessible for those who have served in the military.A Texas Vet Loan is a state mortgage program offered by the Texas Veterans Land Board for veterans and military members, offering favorable terms that feature competitive interest rates and allow for VA, Conventional and FHA mortgages.
Be a legal resident of Texas at the time of ApplicationYes
Property is for Primary Use OnlyYesYes
No Minimum Credit Score RequiredYesYes
Long lock terms availableYes
Discounted rate for disability rating of 30% or greaterYes
Discount points allowedYes
Conventional & FHA loans availableYes
More than one loan allowed at a timeYes
Max loan amount is $832,750Yes
No down payment requiredYesYes
Intend to occupy as a primary residence for at least three yearsYes

Questions? Send a quick note

My team will reach out, usually the same business day. No cost or obligation.

VA Mortgage Payment CalculatorCalculate a monthly payment that is right for youVA Affordability CalculatorFind out how much you can comfortably affordVA Funding Fee CalculatorFigure out how much your funding fee is

Book 15 minutes with Shirley

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