$0-down VA and Texas Vet loans across Cameron County
Homeownership in Cameron 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. Disabled veterans may also qualify for Texas property tax exemptions worth thousands a year. We work with veteran buyers throughout Cameron County, including Brownsville and the nearby communities.
Why Cameron 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 Cameron County
Texas acreage with 5% down
The VLB land loan is the only program of its kind in the nation: eligible Texas veterans finance tracts of one acre or more — currently up to $200,000 — with as little as 5% down on a fixed term. Banks rarely touch raw land on those terms, and the 30%+ disability rate discount applies here too.
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.
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.