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 Cottle County veterans and military families
Veterans across Cottle 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 Paducah or elsewhere in Cottle County, a local specialist can map your options.
Why Cottle 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 Cottle County
Manufactured and modular homes qualify
A VA loan can finance a manufactured home built to HUD code on a permanent foundation and titled as real property — in Texas, via a Statement of Ownership filed with the TDHCA. Modular homes are even simpler: the VA treats them like site-built houses on standard terms.
Texas property tax breaks for disabled veterans
Texas rewards service with property tax exemptions that grow with your VA disability rating, up to a full homestead exemption for veterans rated 100% disabled. On top of a discounted Texas Vet rate, this can save thousands every year you own the home.
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.
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.
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.
Can I build a new home with my VA benefit?
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 is full vs. partial VA entitlement?
With full entitlement there's no VA-imposed loan limit on a $0-down purchase. Partial entitlement (if you have another active VA loan) caps your zero-down power at the county conforming limit — $832,750 in most Texas areas for 2026.
What's the difference between the Texas Vet loan and a VA loan?
The Texas Vet (VLB) loan is a state program with weekly, below-market rates; the VA loan is a federal benefit with $0 down and no PMI. Many Texas veterans combine both for the best of each.
What is a VA IRRRL streamline refinance?
A fast refinance for existing VA loans — usually no appraisal, a reduced 0.5% funding fee, and limited re-documentation. You need 210 days and six payments on the current loan, and the savings must recoup your costs within 36 months.
Cottle County veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.