VA Loan
Homes Near
Fort Bliss.

For 2026, the VA conforming loan limit in El Paso is $766,550 (following FHFA baseline). If you have full VA entitlement (no existing VA loan), you can borrow above this amount without a down payment — the limit only affects buyers with reduced entitlement. El Paso's median home price of roughly $230K–$280K is well below this ceiling, so most buyers face no loan limit issues.

Some older Eastside and Central homes with deferred maintenance can have VA appraisal issues — exposed wiring, roof problems, or plumbing concerns. ProGen identifies these risks before you make an offer. We know which neighborhoods have higher appraisal complication rates and which are VA-clean. New construction in Northeast EP almost always passes with zero issues.

Yes. VA loans work on new construction but require a slightly different process — the builder must use a VA-approved inspector for phase inspections, and a VA-assigned fee appraiser must sign off. ProGen has relationships with El Paso's major builders (Pacesetter, Caballero, Meritage) and knows their VA new construction process.

The VA Funding Fee ranges from 0.5% to 3.3% of the loan amount, depending on your down payment and whether it is your first or subsequent VA loan use. Veterans with a service-connected disability rating of 10% or higher are exempt from the funding fee entirely. ProGen reminds all clients to check their disability rating before closing — we have seen clients save thousands they did not know they were owed.

No. ProGen charges zero buyer commission on all purchases, including VA loans. Josue R. Jimenez (TREC #619091) handles VA transactions regularly and there is no upcharge or special fee for VA buyers. Your benefit works fully in your favor. Call (915) 691-1082 to get started.