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.
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Home loans for Bell County veterans and military families
Veterans across Bell County use the Texas Vet (VLB) program to compete in today's market — a weekly, state-set rate that often beats the open market, with the VA benefit layered on for no down payment. Eligible veterans buy with no down payment and pay no monthly mortgage insurance. Our partner loan officers serve veterans from the county seat of Belton to every community across Bell County.
Why Bell County veterans choose the Texas Vet program
Below-market VLB interest rates, updated weekly
Extra rate discount for 30%+ disabled veterans, funding fee waived
$0 down when combined with a VA loan
Local loan officers who specialize in veteran lending across Bell County
Roll energy upgrades into your VA loan
The VA's Energy Efficient Mortgage option lets you add up to $6,000 for qualifying improvements — insulation, efficient HVAC, solar screens and the like — onto a purchase or refinance. In a Texas summer, efficiency upgrades pay for themselves in utility bills, and this folds them into one fixed payment.
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.
Occupancy: this is for your home
VA and Texas Vet purchase loans are for primary residences. You'll generally move in within 60 days of closing and keep the home as your primary residence — they aren't for investment properties, though you can buy a multi-unit home and live in one unit.
A fast refinance for existing VA loans — usually no appraisal, a reduced 0.5% funding fee, and limited re-documentation. You need 210 days and six payments on the current loan, and the savings must recoup your costs within 36 months.
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.
Can I buy a condo with a VA loan?
Yes, if the condo project is VA-approved. Many Texas projects already are, and lenders can request approval for ones that aren't — just build extra time into your contract.
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.
What happens to my VA loan in a divorce?
You stay liable until the loan is refinanced, paid off, or assumed with a release. If your ex keeps the home and the loan, your entitlement stays tied to it. A Texas owelty lien written into the decree can help the spouse keeping the home refinance the buyout.
What is a VA Certificate of Eligibility (COE)?
The COE verifies you meet the VA's service requirements and shows whether you have full or partial entitlement. We can help you pull it quickly — having it ready up front speeds up your approval.
Bell County veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.