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.
The VA Certificate of Eligibility proves you qualify for a VA home loan. Here's how to get yours in Texas, what it shows your lender, and what to do if records are missing.
Texas Vet loan vs VA loan: the VLB program cuts your rate, the VA loan gives $0 down and no PMI. Here's how they differ and how to stack both.
Texas Vet loan requirements in 2026: Texas residency, qualifying military service, and a primary home in Texas. See who qualifies and how to confirm it fast.
Texas Vet loan credit score in 2026: there's no hard VA minimum, and most lenders want around 620. Residual income and reserves can matter even more.
Texas Veterans Land Board loan limits for 2026: up to $832,750 for a home, separate caps for land and home improvement. See the limits and how to exceed them.
Texas Vet loan interest rates are set weekly by the VLB, often below market and cut further for disabled veterans. Here's how the weekly rate works.
A VA loan after divorce in Texas: the decree can't remove you from the note. Here's how entitlement, the owelty lien, and reusing your benefit work.
The Texas veteran land loan finances Texas acreage with as little as 5% down on a long fixed term. Here's who qualifies, the limits, and how to start.
The VA IRRRL streamline refinance lets Texas veterans lower a VA loan rate fast, usually with no appraisal and a 0.5% funding fee. Here's how it works.
A VA loan for a manufactured home in Texas is real, if the home meets HUD code, sits on a permanent foundation, and is titled as real property. Full guide.
A VA construction loan in Texas finances the land, the build, and the permanent mortgage in one closing, often with $0 down. Here's how it works.
The Texas Vet program is the Veterans Land Board's below-market home, land, and home-improvement loans. Here's every benefit, who qualifies, and how to apply.
You can buy a condo with a VA loan in Texas, but the whole project must be VA-approved, not just your unit. Here's how to check and what to do if it isn't.
A VA loan works by having the VA guarantee part of your mortgage so you skip the down payment and PMI. Here's how that works in Texas, including the VLB rate.
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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