VA & Texas Vet home loans for Fisher County veterans
Fisher County is home to veterans who've earned one of the strongest home-loan benefits in the country. The Texas Vet and VA programs let you buy with nothing down, no PMI, and rates that are frequently below what civilian buyers see. Disabled veterans may also qualify for Texas property tax exemptions worth thousands a year. We work with veteran buyers throughout Fisher County, including Roby and the nearby communities.
Fisher County at a glance
In Fisher County, the median household income is about $64,430 (2024). Eligible veterans can finance a home at that price with no money down and no monthly PMI — a real edge against local prices.
Why Fisher County veterans choose the Texas Vet program
- No monthly mortgage insurance (PMI), unlike most conventional loans
- A reusable benefit that travels with you to your next Texas home
- Below-market VLB interest rates, re-set the first business day of every week
- An extra rate discount for veterans with a 30%+ service-connected disability rating
If you're a veteran or military family buying in Fisher County, a quick eligibility check shows this week's VLB rate and whether stacking it with your VA benefit beats a straight VA loan.
Credit matters less than you think
The VA sets no hard minimum credit score. Lenders often look for around 620, but the program's residual-income test — money left over after your bills — is generous, which is why many veterans qualify when conventional lenders say no.
Divorce and your VA entitlement
If your ex keeps the home and the VA loan, your entitlement stays tied to that property until it's refinanced or paid off — which can block your next $0-down purchase. Texas's owelty of partition lien, written into the decree, helps the spouse keeping the home refinance the equity buyout. Sort the mortgage before the decree is final.
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.