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.
★★★★★ 5.0 Google ReviewsNMLS #XXXXXXEqual Housing Lender
Home loans for Brooks County veterans and military families
Veterans across Brooks 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. Your VA entitlement can be restored and reused, so the benefit is there for your next move too. Whether you're buying in Falfurrias or elsewhere in Brooks County, a local specialist can map your options.
Why Brooks 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 Brooks County
Using your benefit on a brand-new home
Buying a completed new build from a builder works seamlessly with the Texas Vet and VA programs — same $0-down, no-PMI structure, plus a one-year builder warranty on most new homes. Building custom takes a VA construction loan or interim financing, and a VLB land loan can hold your homesite while plans come together.
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.
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.
Yes. VA one-time-close construction loans fund the land, build, and permanent mortgage in a single closing, often with $0 down. A licensed builder and fixed-price contract are required; fewer lenders offer the product, so shop carefully.
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 are the VA funding fee tiers?
For purchases: 2.15% on first use with less than 5% down, 1.5% with 5-9.99% down, 1.25% with 10%+ down, and 3.3% for subsequent use with less than 5% down. The IRRRL streamline refinance is just 0.5%. Veterans receiving VA disability compensation are exempt.
Can a friend or partner co-borrow on my VA loan?
A spouse or another eligible veteran can co-borrow normally. A non-spouse civilian co-borrower makes it a 'joint loan' needing prior VA approval and usually a down payment on the civilian's share — possible, but plan ahead.
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.
How long does a VA loan take to close?
Most VA loans close in about 30–45 days — comparable to conventional loans. Getting your COE early and responding quickly to document requests keeps it on schedule.
Brooks County veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.