Texas Vet & VA Loans in Fort Bend County, TX

Texas Vet & VA Home Loans in Fort Bend County, TX

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.

Licensed Texas loan specialists NMLS ID available on request Equal Housing Opportunity

Home loans for Fort Bend County veterans and military families

Homeownership in Fort Bend County is closer than many veterans realize. The Texas Vet and VA loan programs remove the two biggest hurdles — the down payment and mortgage insurance — for those who qualify. 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 Richmond to every community across Fort Bend County.

Fort Bend County at a glance

In Fort Bend County, the typical home was listing around $440,000 as of June 2026 and the median household income is about $115,538 (2024). For a veteran buying here, a $0-down Texas Vet or VA loan means that price needs no down payment, and the below-market VLB rate keeps the monthly payment within reach.

Why Fort Bend County veterans choose the Texas Vet program

No monthly mortgage insurance (PMI), unlike most conventional loans
$0 down when the Texas Vet rate is paired with your federal VA loan benefit
Below-market VLB interest rates, re-set the first business day of every week
Use it to buy a home — the VLB also offers Texas land and home-improvement loans

Richmond and the rest of Fort Bend 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.

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.

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.

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.

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Frequently Asked Questions

How big a tract can the VLB land loan finance?

At least one usable acre, currently up to $200,000 with as little as 5% down on a fixed term — and the 30%+ disability rate discount applies to land loans too.

When do I have to move into the home?

VA and Texas Vet purchase loans require owner-occupancy. You'll generally need to occupy the home within about 60 days of closing and keep it as your primary residence.

What happens to my VA loan in a divorce?

You stay liable until the loan is refinanced, paid off, or assumed with a release. If your ex keeps the home and the loan, your entitlement stays tied to it. A Texas owelty lien written into the decree can help the spouse keeping the home refinance the buyout.

Can I use my VA benefit more than once?

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 a VA loan finance a manufactured home?

Yes, if the home was built to HUD code (June 15, 1976 or later), sits on a permanent foundation, and is titled as real property — in Texas that means a Statement of Ownership filed with the TDHCA.

How is BAH counted toward qualifying?

Basic Allowance for Housing (BAH) can often be counted as effective income toward qualifying, which can meaningfully increase the home price you're approved for.