MAJOR VALOR

The benefit you earned deserves someone who takes it seriously

Every year, eligible veterans leave the VA loan benefit on the table — not because they do not qualify, but because somewhere along the way they heard it was complicated, slow, or buried in paperwork only a records clerk could love. MAJOR VALOR exists to end that. The mission is simple: confirm what you have earned, clear every obstacle between you and using it, and get you to a closing table with a loan officer who treats your service like it matters, because it does.

MAJOR VALOR is the VA loan specialty at Wise Capital Mortgage, standing post for veterans, active-duty service members, National Guard and Reserve members, and eligible surviving spouses buying or refinancing anywhere in Texas — from Fort Cavazos’ home station of Killeen and Temple to Austin, San Antonio, Houston and Dallas-Fort Worth.

The benefit, at full strength

A VA-guaranteed loan is one of the strongest mortgage benefits that exists, and MAJOR VALOR deploys every piece of it on your behalf.

Who MAJOR VALOR fights for

Eligibility comes from service history, and it covers more people than most expect. Veterans generally need 90 consecutive days of active duty during wartime, or 181 days during peacetime. Active-duty service members become eligible after the same minimum while still serving. National Guard and Reserve members typically need six creditable years, though a federal activation or a service-connected discharge can qualify someone sooner. Surviving spouses of a service member who died in the line of duty or from a service-connected disability are eligible too. A general or honorable discharge is standard, though some other discharge types can still qualify — MAJOR VALOR checks every file rather than assuming the answer.

The one fee, explained in plain English

Most VA borrowers pay a one-time funding fee that keeps the program funded for the next generation of veterans, and it can be rolled into the loan instead of paid out of pocket at closing. Veterans receiving compensation for a service-connected disability are typically exempt entirely. The exact amount depends on your down payment and whether you have used the benefit before — MAJOR VALOR shows you the real number up front, never a surprise at the closing table. See the full breakdown in the VA loan requirements guide, or every advantage in the VA loan benefits guide.

One benefit, used more than once

A common myth takes veterans out of the fight before they even start: that the VA benefit is a one-time use. It is not. Entitlement can be reused, and in many cases it can be restored after a prior VA loan is paid off or sold. MAJOR VALOR checks your remaining entitlement as part of every conversation, so a loan from years ago never quietly disqualifies you from using the benefit again today.

What working with MAJOR VALOR looks like

You get a licensed Texas loan officer who pulls your Certificate of Eligibility, explains your funding fee and entitlement in plain language, and runs VA side by side against FHA and conventional so you can see, in real numbers, which one actually costs less for your situation. You get someone who has handled VA files before and knows the appraisal rules, the occupancy requirements and the timeline well enough that your file does not stall on something preventable. Most of all, you get a mortgage broker who shops a full lender panel instead of a single bank’s rate sheet — because the benefit you earned deserves more than one option.

You served. Using what you earned should not be the hard part.