$0-down VA and Texas Vet loans across Gregg County
Veterans across Gregg County use the Texas Vet (VLB) program to compete in today's market — a weekly, state-set rate that often beats the open market, with the VA benefit layered on for no down payment. VLB rates are set weekly by the state and frequently land below the open market. We work with veteran buyers throughout Gregg County, including Longview and the nearby communities.
Gregg County at a glance
In Gregg County, the typical home was listing around $299,900 as of June 2026 and the median household income is about $62,490 (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 Gregg County veterans choose the Texas Vet program
- Below-market VLB interest rates, re-set the first business day of every week
- Up to $832,750 financed on a fixed 15, 20, 25, or 30-year term
- No monthly mortgage insurance (PMI), unlike most conventional loans
- Use it to buy a home — the VLB also offers Texas land and home-improvement loans
Longview and the rest of Gregg 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.
Stacking the VLB program with your VA benefit
You don't have to choose. Many Texas veterans pair the VLB program's discounted, weekly-set rate with the VA loan's $0 down and no PMI — getting a lower rate AND no money down on the same purchase. The right structure depends on your situation.
Why VLB rates are set weekly
The Texas Veterans Land Board adjusts its rate on the first business day of each week, and because it's a state-backed program the rate is frequently below the open market. It's worth checking the current week's rate before you lock.
No monthly mortgage insurance — ever
Unlike conventional loans with less than 20% down, VA and Texas Vet loans carry no monthly PMI. On a typical Texas home that's often $150–$250 saved every month, money that stays with your family instead of an insurer.