$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.
Why Falls 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 Falls 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.
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.