$0-down VA and Texas Vet loans across Falls County
For Falls 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. We work with veteran buyers throughout Falls County, including Marlin and the nearby communities.
Falls County at a glance
In Falls County, the median household income is about $56,486 (2024). Veterans here often pair the weekly VLB rate with their federal VA benefit to buy at the local price point with $0 down.
Why Falls County veterans choose the Texas Vet program
- Below-market VLB interest rates, re-set the first business day of every week
- The VA funding fee waived entirely for qualifying disabled veterans
- An extra rate discount for veterans with a 30%+ service-connected disability rating
- Loan officers who specialize in veteran lending in Falls County and across Texas
Marlin and the rest of Falls County fall under the same statewide VLB program — the rate is set by the state, not marked up by a local lender, so where you buy in Texas doesn't change the headline rate.
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.
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.
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.