VA Home Loans for Veterans and Service Members

Adam Buttermore | Houston Loan Officer & Mortgage Lender | Licensed in TX, IN, FL & TN

Adam Buttermore is a Houston-based mortgage lender with 20+ years of experience helping homebuyers, refinancers, and investors secure the right loan with confidence.

At Adam Closes, we proudly serve those who’ve served our country by providing access to one of the most powerful home financing options available — the VA loan. Backed by the U.S. Department of Veterans Affairs, this loan program was created to help veterans, active-duty service members, and eligible surviving spouses purchase or refinance a home with unmatched benefits and flexibility.

With no down payment required, competitive interest rates, and limited closing costs, VA loans make homeownership more accessible and affordable for those who have earned it. Our team ensures every step of the process is smooth, from eligibility verification to fast pre-qualification and closing. With Adam’s 20+ years of mortgage experience and Fairway’s trusted lending platform, you’ll get clear communication, reliable service, and a process that honors your time and commitment.

Why a VA Loan Might Be Right for You

 

VA loans offer unmatched benefits for veterans, service members, and their families — combining government-backed protection, flexible qualification standards, and incredible financial advantages that make homeownership easier than ever.

No Down Payment Required
Qualified borrowers can purchase a home without any down payment.
No Private Mortgage Insurance (PMI)
Save thousands over the life of your loan by eliminating PMI costs.
Flexible Credit Requirements
VA loans make qualifying easier for those with past credit challenges.
Lower Interest Rates
Enjoy reduced rates designed to make monthly payments more affordable.
VA loans are built to reward service and sacrifice with a simpler, more affordable path to homeownership that provides security, savings, and peace of mind.

What to Expect from Our VA Loan Process

 

We make it simple for veterans and service members — from confirming your VA eligibility to pre-qualification, document submission, and closing. You’ll have guidance and support every step of the way.

Quick Welcome Call

We start with a quick introductory call to understand your goals and answer your questions.

Complete our secure online application and upload your documents at your convenience.

We run a soft credit check with no impact on your score and issue a pre-qualification if possible.

With pre-qualification in hand, you can shop confidently and get your home under contract.

Once under contract, we work quickly to close your home, usually within 30 days.

Want to Know What Loan Option Is Right for You?

 

As a veteran-focused lender, Adam takes pride in helping military families achieve their homeownership goals. Whether you’re buying your first home or refinancing an existing mortgage, we’ll guide you through the process with clarity and respect.

With personalized service, fast approvals, and flexible VA loan options, you can count on a process built around your needs. Call today or fill out the form below to start your pre-qualification — your next mission: homeownership.

Frequently Asked Questions

Who is eligible for a VA loan and how do I obtain a Certificate of Eligibility (COE)?
VA loans are available to eligible veterans, active-duty service members, and certain surviving spouses. A Certificate of Eligibility confirms qualification and can typically be obtained through the VA portal or directly through your lender.
The VA funding fee is a one-time fee that helps sustain the VA loan program. The amount varies based on down payment and prior use but can usually be rolled into the loan balance rather than paid upfront.
VA loans no longer have official loan limits for borrowers with full entitlement. However, lenders may apply internal guidelines for larger loan amounts. Borrowers with partial entitlement may still see limits based on county guidelines.
Yes, VA benefits can be reused after a previous VA loan is paid off or refinanced. In some cases, borrowers may even hold more than one VA loan simultaneously, depending on entitlement eligibility.

Find out your home loan options today

apply now