Home loans for Hall County veterans and military families
Whether you're a first-time buyer or moving up in Hall County, your service opens doors. Texas Vet and VA loans offer $0 down, no monthly mortgage insurance, and added discounts for disabled veterans. Your VA entitlement can be restored and reused, so the benefit is there for your next move too. We work with veteran buyers throughout Hall County, including Memphis and the nearby communities.
Hall County at a glance
In Hall County, the median household income is about $52,797 (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 Hall County veterans choose the Texas Vet program
- Below-market VLB interest rates, re-set the first business day of every week
- Loan officers who specialize in veteran lending in Hall County and across Texas
- The VA funding fee waived entirely for qualifying disabled veterans
- A reusable benefit that travels with you to your next Texas home
Memphis and the rest of Hall 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.
Buying above the conforming limit
With full entitlement, the VA imposes no loan limit on a $0-down purchase — qualification, not a cap, sets your ceiling. The VLB program tops out at $832,750, so veterans shopping above that figure typically lean on the federal VA side, where higher amounts remain possible with no down payment.
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.
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.