$0-down VA and Texas Vet loans across Fayette County
If you served and you're putting down roots in Fayette County, the Texas Vet loan was built for you. Eligible veterans buy with no down payment, skip monthly mortgage insurance, and — if rated 30% or more disabled — unlock an additional rate discount. Disabled veterans may also qualify for Texas property tax exemptions worth thousands a year. Our partner loan officers serve veterans from the county seat of La Grange to every community across Fayette County.
Fayette County at a glance
In Fayette County, the median household income is about $76,540 (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 Fayette County veterans choose the Texas Vet program
- Up to $832,750 financed on a fixed 15, 20, 25, or 30-year term
- Use it to buy a home — the VLB also offers Texas land and home-improvement loans
- A reusable benefit that travels with you to your next Texas home
- $0 down when the Texas Vet rate is paired with your federal VA loan benefit
Whether you're buying near La Grange or elsewhere in Fayette County, the fastest way to see your numbers is the 60-second eligibility check — no credit pull and no obligation.
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.
Already have a VA loan? The IRRRL is your fast lane
The VA's Interest Rate Reduction Refinance Loan (IRRRL) lets you drop your rate with usually no appraisal, limited paperwork, and a reduced 0.5% funding fee. You'll need 210 days and six payments on your current loan, and your costs must recoup through savings within 36 months — a built-in protection that keeps the refinance honest.
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.