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Reviewed by David Ghazaryan, Mortgage Broker, NMLS 1486726 · iQRATE Mortgages · Last updated: October 13, 2026
Quick answer
A Killeen mortgage broker compares many lenders for the VA, FHA and conventional loans that Fort Hood families use. iQRATE Mortgages (NMLS 1862492) is licensed in Texas and shops more than 100 lenders on complex files. The post in Killeen was renamed Fort Hood again on June 11, 2025, after two years as Fort Cavazos. Bell County's 2026 limits are $832,750 conforming and $541,287 FHA, and VA borrowers with full entitlement have no loan limit. For 2025, a City of Killeen home in Killeen ISD paid about $1.89 per $100 in city, school and county taxes combined, before exemptions.
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5.0 stars from 87 reviews on Experience.com (October 2026) · Read David's reviews on Experience.com
Most of our Killeen, Harker Heights, Copperas Cove and Nolanville clients are soldiers, spouses and veterans on PCS timelines. They need a pre-approval before a house-hunting trip, a lender who counts BAH correctly, and a plan for the home when the next set of orders arrives. Texas also gives disabled veterans some of the largest property-tax breaks in the country.
Part of our Texas mortgage broker coverage. We're licensed in Texas under company NMLS 1862492 and work Killeen files from our Las Vegas office, closing with local escrow and title.
Areas and ZIPs we lend in: Killeen (76541, 76542, 76543, 76549), Harker Heights (76548), Copperas Cove (76522), Nolanville (76559), Belton (76513) and Temple (76502, 76504).
PCS turnover here is constant. Many soldiers buy with a VA loan, then rent the home out after orders; we confirm the rent will carry the payment and that you can restore entitlement later.
Texas basics that apply here: Texas has no transfer tax and no state income tax, and title insurance premiums are set by the Texas Department of Insurance. Property taxes are high and billed each October and paid in arrears, so lenders usually collect about 2–6 months of taxes into escrow at closing, depending on the closing month; the seller's prorated tax credit for the months they owned the home offsets part of that. Owner-occupants get the homestead exemption and a 10% cap on yearly appraisal increases after the first year. A cash-out loan on a homestead is limited to 80% of value under Section 50(a)(6). Statewide down payment help includes TSAHC (Homes for Texas Heroes, Home Sweet Texas) and TDHCA (My First Texas Home).
Closing costs are what it costs you to get the loan: origination, discount points, appraisal, and escrow and title. Cash to close also includes your prepaids (first-year homeowners insurance, daily interest to month-end, and an escrow deposit for your own future property taxes and insurance) plus your down payment. Prepaids aren't a cost of the loan; they're your own bills paid ahead. In Killeen, the first year of homeowners insurance and 2–6 months of property-tax escrow (offset by the seller's tax credit at closing) are the big prepaids; VA buyers can ask the seller to pay them. Your actual closing costs depend on county, price and loan type, so we don't quote a one-size range: every line is itemized on your Loan Estimate, and our Bare Bones guarantee means we add no fees of our own. Compare states on our closing costs by state page.
Bell County: conforming $832,750 and FHA $541,287 for a one-unit home (FHFA and HUD). VA has no loan limit for borrowers with full entitlement.
Conventional (as little as 3% down for eligible first-time buyers), FHA (3.5% down, 580+ score), VA (no down payment for eligible veterans with full entitlement), jumbo above the conforming limit, DSCR loans that qualify on rent, bank statement loans for self-employed borrowers, asset-based and 1099 loans, and rate-and-term or cash-out refinances. As a broker we compare wholesale lenders, more than 100 on complex files, instead of one bank's menu.
Terms for each are on its own page; see all iQRATE guarantees.
Fort Hood. The Army redesignated Fort Cavazos as Fort Hood on June 11, 2025, this time honoring World War I veteran Col. Robert B. Hood.
Yes, if you have full entitlement, with no VA loan limit.
Usually, yes, with your PCS orders and a report date that meets the lender's rules.
A veteran with a 100% disability rating or individual unemployability pays no property tax on the homestead in Texas; lower ratings get partial exemptions.
About $1.89 per $100 in 2025 for a City of Killeen home in Killeen ISD (city, school and county), before exemptions.
Usually, after you meet the VA occupancy requirement.
Closing costs depend on the price, loan type and county, so yours are itemized on your Loan Estimate rather than quoted as a range. Closing costs are what it costs to get the loan (origination, points, appraisal, escrow and title). Cash to close also includes prepaids and your down payment; in Killeen, the first year of homeowners insurance and 2–6 months of property-tax escrow (offset by the seller's tax credit at closing) are the big prepaids; VA buyers can ask the seller to pay them.
Most of our loans close in under 30 days. For eligible full-documentation conventional, FHA and VA purchases, our goal is 17 calendar days from signing initial disclosures.
Get My Custom Rate Now · or call (702) 766-3744
iQRATE Mortgages · NMLS 1862492 · 6360 S Rainbow Blvd Ste 101, Las Vegas, NV 89118 · Licensed in Nevada, California, Texas and Florida. David Ghazaryan, Mortgage Broker, NMLS 1486726. Verify us on NMLS Consumer Access. Equal Housing Opportunity. Programs, rates and terms change and are subject to credit, property and underwriting approval; local facts on this page come from the public sources below and are not legal or tax advice.
More: Texas mortgage broker · DSCR loans · Bank statement loans · Our guarantees · Closing costs by state
