Texas Vet & VA loans in Comal County, Texas
For Comal County veterans, the road to homeownership runs through two programs worth knowing well: the Texas Veterans Land Board and the federal VA loan. Combine them and you get a state-discounted rate with no down payment required. Veterans rated 30% or more disabled unlock an extra rate discount and a waived funding fee. From New Braunfels to the surrounding towns, we help Comal County veterans find the right loan and lock a competitive rate.
Why Comal 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 Comal County
No monthly mortgage insurance — ever
Unlike conventional loans with less than 20% down, VA and Texas Vet loans carry no monthly PMI. On a typical Texas home that's often $150–$250 saved every month, money that stays with your family instead of an insurer.
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.
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.