Texas Vet & VA Loans in Collin County, TX

Texas Vet & VA Home Loans in Collin County, TX

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 Collin County veterans and military families

Veterans and military families in Collin County have a real advantage when buying a home: the Texas Veterans Land Board (VLB) program paired with the federal VA benefit. Together they can mean $0 down, no monthly PMI, and a discounted fixed rate the state sets every week. Veterans rated 30% or more disabled unlock an extra rate discount and a waived funding fee. We work with veteran buyers throughout Collin County, including McKinney and the nearby communities.

Why Collin 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 Collin County

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.

Benefits for spouses and surviving spouses

Spouses can co-borrow, and unremarried surviving spouses of veterans who died in service or from a service-connected disability may be able to use the VA home loan benefit themselves — including the funding-fee exemption.

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.

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Frequently Asked Questions

When do I have to move into the home?

VA and Texas Vet purchase loans require owner-occupancy. You'll generally need to occupy the home within about 60 days of closing and keep it as your primary residence.

Do disabled veterans get a Texas property tax exemption?

Yes. Texas offers property tax exemptions that scale with your VA disability rating, and veterans rated 100% disabled may qualify for a total homestead property tax exemption. This is separate from the loan but a major ongoing savings.

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 is BAH counted toward qualifying?

Basic Allowance for Housing (BAH) can often be counted as effective income toward qualifying, which can meaningfully increase the home price you're approved for.

Is there a minimum credit score for a VA loan?

The VA itself doesn't set a hard minimum, though many lenders look for around 620. Strong residual income and a clean recent history matter as much as the score.

How big a tract can the VLB land loan finance?

At least one usable acre, currently up to $200,000 with as little as 5% down on a fixed term — and the 30%+ disability rate discount applies to land loans too.