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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Whether you're a first-time buyer or moving up in Ellis County, your service opens doors. Texas Vet and VA loans offer $0 down, no monthly mortgage insurance, and added discounts for disabled veterans. You can finance up to $832,750 on a fixed 15-, 20-, 25-, or 30-year term. We work with veteran buyers throughout Ellis County, including Waxahachie and the nearby communities.
Why Ellis 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 Ellis 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.
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.
Occupancy: this is for your home
VA and Texas Vet purchase loans are for primary residences. You'll generally move in within 60 days of closing and keep the home as your primary residence — they aren't for investment properties, though you can buy a multi-unit home and live in one unit.
Yes. The VA home loan benefit can be reused, and your entitlement can be restored as you pay down or sell a prior VA-financed home.
Can I use a Texas Vet loan for land?
Yes. The Texas Veterans Land Board offers a separate land loan that lets eligible veterans buy land in Texas — often with as little as 5% down — which most conventional lenders won't finance.
Can I refinance a Texas Vet (VLB) loan?
No, the VLB home loan is for purchases only. If rates fall later, you'd refinance through your federal VA loan benefit, which does allow it.
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.
Can I buy a barndominium with a VA loan in Texas?
Often yes — the home must meet VA property requirements and the appraiser needs comparable sales, which rural Texas has more of than most places. It's a lender-by-lender call worth confirming early.
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.
Ellis County veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.