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.
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VA & Texas Vet home loans for Harris County veterans
Veterans across Harris 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. Your VA entitlement can be restored and reused, so the benefit is there for your next move too. Whether you're buying in Houston or elsewhere in Harris County, a local specialist can map your options.
Why Harris County veterans choose the Texas Vet program
Below-market VLB interest rates, updated weekly
Extra rate discount for 30%+ disabled veterans, funding fee waived
$0 down when combined with a VA loan
Local loan officers who specialize in veteran lending across Harris County
Understanding the VA funding fee
The VA funding fee (about 1.5%–3.3% of the loan) replaces monthly mortgage insurance and helps keep the program running. It can be rolled into your loan, and if you receive VA disability compensation you're exempt entirely — one of the biggest reasons disabled veterans save so much.
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.
Full entitlement means no loan limit
If you have full VA entitlement, there's no VA-imposed cap on a $0-down purchase — you're limited only by what you can afford. Partial entitlement (from another active VA loan) caps zero-down buying power at the county limit, $832,750 in most of Texas for 2026.
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.
What is a VA Certificate of Eligibility (COE)?
The COE verifies you meet the VA's service requirements and shows whether you have full or partial entitlement. We can help you pull it quickly — having it ready up front speeds up your approval.
Can I use a Texas Vet loan for land?
Yes. The Texas Veterans Land Board offers a separate land loan that lets eligible veterans buy land in Texas — often with as little as 5% down — which most conventional lenders won't finance.
Can I have more than one VLB loan at once?
Yes — it's possible to have one active loan in each VLB program (home, land, and home improvement) at the same time, if you qualify for each.
How much is the VA funding fee?
The VA funding fee generally ranges from about 1.5% to 3.3% of the loan amount and can be financed into the loan. Veterans receiving VA disability compensation, Purple Heart recipients, and eligible surviving spouses are exempt.
What are the VA funding fee tiers?
For purchases: 2.15% on first use with less than 5% down, 1.5% with 5-9.99% down, 1.25% with 10%+ down, and 3.3% for subsequent use with less than 5% down. The IRRRL streamline refinance is just 0.5%. Veterans receiving VA disability compensation are exempt.
Harris County veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.