Home loans for Bastrop County veterans and military families
Homeownership in Bastrop 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. Military income like BAH can often be counted to increase what you qualify for. Our partner loan officers serve veterans from the county seat of Bastrop to every community across Bastrop County.
Bastrop County at a glance
In Bastrop County, the typical home was listing around $409,000 as of June 2026 and the median household income is about $84,174 (2024). Against those numbers, the Texas Vet program's below-market rate and $0-down structure are exactly what help local veterans afford a home.
Why Bastrop County veterans choose the Texas Vet program
- A reusable benefit that travels with you to your next Texas home
- Up to $832,750 financed on a fixed 15, 20, 25, or 30-year term
- The VA funding fee waived entirely for qualifying disabled veterans
- No monthly mortgage insurance (PMI), unlike most conventional loans
If you're a veteran or military family buying in Bastrop County, a quick eligibility check shows this week's VLB rate and whether stacking it with your VA benefit beats a straight VA loan.
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.
Benefits for spouses and surviving spouses
Spouses can co-borrow, and unremarried surviving spouses of veterans who died in service or from a service-connected disability may be able to use the VA home loan benefit themselves — including the funding-fee exemption.
Why VLB rates are set weekly
The Texas Veterans Land Board adjusts its rate on the first business day of each week, and because it's a state-backed program the rate is frequently below the open market. It's worth checking the current week's rate before you lock.