See if you qualify — free, 60-second check.
Plain-English answers to the questions Texas veteran and military borrowers actually ask — how the programs work, what you need to qualify, how rates and benefits really play out, and the situations other lenders get wrong. Each guide is written by people who do this every day and updated as programs and rates change.
Browse the guides below, or check your eligibility in about 60 seconds — free, no credit pull.
Texas Vet (VLB) loans and federal VA loans aren't the same thing — and smart Texas veterans often use them together. Here's how each works and when to combine them.
Wondering if you qualify for the Texas Vet (VLB) home loan program? Here are the residency, service, and occupancy requirements — explained simply.
There's no hard VA credit minimum — here's what Texas Vet and VA lenders actually look for, and how to qualify even after credit bumps.
The VLB home loan caps at $832,750 in 2026. Here's how the home, land, and home-improvement limits work — and what to do if you need more.
VLB rates reset every week and often beat the open market. Here's how the rate is set, who gets the disabled-veteran discount, and when to lock.
Divorce doesn't end your VA loan obligations — or your benefit. Here's what happens to the home, your entitlement, and how Texas owelty liens change the math.
The VLB land loan finances one acre or more with as little as 5% down — a benefit no other state offers. Here's how the program, limits, and process work.
The VA IRRRL lets Texas veterans drop their rate with no appraisal in most cases and a reduced 0.5% funding fee. Here are the real rules — seasoning, recoupment, and all.
Yes, you can buy a manufactured or modular home with a VA loan in Texas — if it meets HUD standards, sits on a permanent foundation, and is titled as real property. Here's the checklist.
A VA one-time-close construction loan lets eligible Texas veterans build with $0 down and a single closing. Here's how it works, what builders must provide, and the backup plan.
The Texas Vet program (Texas Veterans Land Board) gives Texas veterans below-market home, land, and improvement loans. Every benefit, eligibility rule, and rate discount explained.
You can buy a condo with a VA loan — if the complex is VA-approved. How to check the VA condo list, what approval requires, and what to do if your condo isn't on it.
The Texas Veterans Land Board offers below-market, fixed-rate home, land, and home-improvement loans to qualifying Texas veterans and military members. It can be combined with a VA loan for $0 down.
Yes. Veterans with a VA service-connected disability rating of 30% or greater qualify for an additional discounted interest rate, and the VA funding fee is waived.
Eligible veterans can finance up to $832,750 on a fixed 15, 20, 25, or 30-year term for a primary residence.
Yes — many Texas veterans pair the VLB program with their federal VA loan benefit to get the best rate with no down payment.
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