VA & Texas Vet home loans for Briscoe County veterans
Briscoe County is home to veterans who've earned one of the strongest home-loan benefits in the country. The Texas Vet and VA programs let you buy with nothing down, no PMI, and rates that are frequently below what civilian buyers see. Pairing the VLB loan with your VA benefit means a discounted rate and zero down on the same home. Our partner loan officers serve veterans from the county seat of Silverton to every community across Briscoe County.
Briscoe County at a glance
In Briscoe County, the median household income is about $61,395 (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 Briscoe County veterans choose the Texas Vet program
- The VA funding fee waived entirely for qualifying disabled veterans
- Up to $832,750 financed on a fixed 15, 20, 25, or 30-year term
- Below-market VLB interest rates, re-set the first business day of every week
- $0 down when the Texas Vet rate is paired with your federal VA loan benefit
Silverton and the rest of Briscoe County fall under the same statewide VLB program — the rate is set by the state, not marked up by a local lender, so where you buy in Texas doesn't change the headline rate.
Funding fee tiers — and who skips them
The VA funding fee runs 2.15% on a first-use purchase with less than 5% down, drops to 1.5% with 5% down and 1.25% with 10% down, and is 3.3% for subsequent use with minimal down. IRRRLs are just 0.5%. Veterans receiving VA disability compensation, Purple Heart recipients, and eligible surviving spouses pay nothing.
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.
Credit matters less than you think
The VA sets no hard minimum credit score. Lenders often look for around 620, but the program's residual-income test — money left over after your bills — is generous, which is why many veterans qualify when conventional lenders say no.