Texas Vet & VA loans in Bexar County, Texas
Veterans across Bexar 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. We work with veteran buyers throughout Bexar County, including San Antonio and the nearby communities.
Bexar County at a glance
In Bexar County, the typical home was listing around $294,995 as of June 2026 and the median household income is about $72,578 (2024). Veterans here often pair the weekly VLB rate with their federal VA benefit to buy at the local price point with $0 down.
Why Bexar County veterans choose the Texas Vet program
- Below-market VLB interest rates, re-set the first business day of every week
- Loan officers who specialize in veteran lending in Bexar County and across Texas
- $0 down when the Texas Vet rate is paired with your federal VA loan benefit
- Use it to buy a home — the VLB also offers Texas land and home-improvement loans
Veterans across Bexar County use the Texas Vet program to buy with little or no money down at a below-market rate; the check confirms what you qualify for in about a minute.
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.
Buying above the conforming limit
With full entitlement, the VA imposes no loan limit on a $0-down purchase — qualification, not a cap, sets your ceiling. The VLB program tops out at $832,750, so veterans shopping above that figure typically lean on the federal VA side, where higher amounts remain possible with no down payment.
Already have a VA loan? The IRRRL is your fast lane
The VA's Interest Rate Reduction Refinance Loan (IRRRL) lets you drop your rate with usually no appraisal, limited paperwork, and a reduced 0.5% funding fee. You'll need 210 days and six payments on your current loan, and your costs must recoup through savings within 36 months — a built-in protection that keeps the refinance honest.