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
Homeownership in Delta 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. Pairing the VLB loan with your VA benefit means a discounted rate and zero down on the same home. Whether you're buying in Cooper or elsewhere in Delta County, a local specialist can map your options.
Why Delta 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 Delta County
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.
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.
Understanding the VA funding fee
The VA funding fee (about 1.5%–3.3% of the loan) replaces monthly mortgage insurance and helps keep the program running. It can be rolled into your loan, and if you receive VA disability compensation you're exempt entirely — one of the biggest reasons disabled veterans save so much.
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.
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.
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.
What is a VA Certificate of Eligibility (COE)?
The COE verifies you meet the VA's service requirements and shows whether you have full or partial entitlement. We can help you pull it quickly — having it ready up front speeds up your approval.
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.
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.
Delta County veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.