Home loans for Austin County veterans and military families
Veterans and military families in Austin County have a real advantage when buying a home: the Texas Veterans Land Board (VLB) program paired with the federal VA benefit. Together they can mean $0 down, no monthly PMI, and a discounted fixed rate the state sets every week. VLB rates are set weekly by the state and frequently land below the open market. Our partner loan officers serve veterans from the county seat of Bellville to every community across Austin County.
Austin County at a glance
In Austin County, the median household income is about $74,343 (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 Austin County veterans choose the Texas Vet program
- The VA funding fee waived entirely for qualifying disabled veterans
- Below-market VLB interest rates, re-set the first business day of every week
- Up to $832,750 financed on a fixed 15, 20, 25, or 30-year term
- A reusable benefit that travels with you to your next Texas home
Whether you're buying near Bellville or elsewhere in Austin County, the fastest way to see your numbers is the 60-second eligibility check — no credit pull and no obligation.
Your VA loan is assumable — a hidden selling point
When you sell, a qualified buyer can assume your VA loan and keep its rate, with servicer approval — a serious advantage in a higher-rate market. One caution: unless the buyer is an eligible veteran who substitutes entitlement, yours stays tied to the loan until it's paid off.
Texas property tax breaks for disabled veterans
Texas rewards service with property tax exemptions that grow with your VA disability rating, up to a full homestead exemption for veterans rated 100% disabled. On top of a discounted Texas Vet rate, this can save thousands every year you own the home.
Divorce and your VA entitlement
If your ex keeps the home and the VA loan, your entitlement stays tied to that property until it's refinanced or paid off — which can block your next $0-down purchase. Texas's owelty of partition lien, written into the decree, helps the spouse keeping the home refinance the equity buyout. Sort the mortgage before the decree is final.