Texas Vet & VA Loans in Andrews County, TX

Texas Vet & VA Home Loans in Andrews County, TX

Discounted fixed rates for Texas veterans through the Veterans Land Board. Extra rate reductions for veterans with a 30%+ disability rating. See what you qualify for in 60 seconds.

$0 Down PaymentVA and Texas Vet loans require no down payment for eligible veterans.

Discounted RatesTexas Vet (VLB) rates are set weekly and often beat standard VA rates.

Disabled-Veteran Discount30%+ service-connected disability unlocks an additional rate reduction and a waived funding fee.

Up to $832,750Buy a primary residence on a fixed 15/20/25/30-year term.

Licensed Texas loan specialists NMLS ID available on request Equal Housing Opportunity

$0-down VA and Texas Vet loans across Andrews County

Homeownership in Andrews County is closer than many veterans realize. The Texas Vet and VA loan programs remove the two biggest hurdles — the down payment and mortgage insurance — for those who qualify. Disabled veterans may also qualify for Texas property tax exemptions worth thousands a year. From Andrews to the surrounding towns, we help Andrews County veterans find the right loan and lock a competitive rate.

Andrews County at a glance

In Andrews County, the median household income is about $89,424 (2024). For a veteran buying here, a $0-down Texas Vet or VA loan means that price needs no down payment, and the below-market VLB rate keeps the monthly payment within reach.

Why Andrews County veterans choose the Texas Vet program

Below-market VLB interest rates, re-set the first business day of every week
The VA funding fee waived entirely for qualifying disabled veterans
$0 down when the Texas Vet rate is paired with your federal VA loan benefit
A reusable benefit that travels with you to your next Texas home

If you're a veteran or military family buying in Andrews County, a quick eligibility check shows this week's VLB rate and whether stacking it with your VA benefit beats a straight VA loan.

Stacking the VLB program with your VA benefit

You don't have to choose. Many Texas veterans pair the VLB program's discounted, weekly-set rate with the VA loan's $0 down and no PMI — getting a lower rate AND no money down on the same purchase. The right structure depends on your situation.

Using your benefit on a brand-new home

Buying a completed new build from a builder works seamlessly with the Texas Vet and VA programs — same $0-down, no-PMI structure, plus a one-year builder warranty on most new homes. Building custom takes a VA construction loan or interim financing, and a VLB land loan can hold your homesite while plans come together.

Manufactured and modular homes qualify

A VA loan can finance a manufactured home built to HUD code on a permanent foundation and titled as real property — in Texas, via a Statement of Ownership filed with the TDHCA. Modular homes are even simpler: the VA treats them like site-built houses on standard terms.

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Frequently Asked Questions

Does the VLB offer a home improvement loan?

Yes. The VLB home improvement loan can finance repairs and upgrades on your existing primary residence with fixed terms. Some project types are excluded, so confirm scope eligibility before signing contractor agreements.

What are the VA funding fee tiers?

For purchases: 2.15% on first use with less than 5% down, 1.5% with 5-9.99% down, 1.25% with 10%+ down, and 3.3% for subsequent use with less than 5% down. The IRRRL streamline refinance is just 0.5%. Veterans receiving VA disability compensation are exempt.

How is BAH counted toward qualifying?

Basic Allowance for Housing (BAH) can often be counted as effective income toward qualifying, which can meaningfully increase the home price you're approved for.

Do VA loans have monthly mortgage insurance?

No. VA and Texas Vet loans have no monthly PMI, which can save you hundreds of dollars a month compared with a low-down-payment conventional loan.

How big a tract can the VLB land loan finance?

At least one usable acre, currently up to $200,000 with as little as 5% down on a fixed term — and the 30%+ disability rate discount applies to land loans too.

Can I refinance a Texas Vet (VLB) loan?

No, the VLB home loan is for purchases only. If rates fall later, you'd refinance through your federal VA loan benefit, which does allow it.