Texas Vet & VA Loans in Hays County, TX

Texas Vet & VA Home Loans in Hays 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

$0-down VA and Texas Vet loans across Hays County

If you served and you're putting down roots in Hays County, the Texas Vet loan was built for you. Eligible veterans buy with no down payment, skip monthly mortgage insurance, and — if rated 30% or more disabled — unlock an additional rate discount. Veterans rated 30% or more disabled unlock an extra rate discount and a waived funding fee. Our partner loan officers serve veterans from the county seat of San Marcos to every community across Hays County.

Hays County at a glance

In Hays County, the typical home was listing around $419,177 as of June 2026 and the median household income is about $91,880 (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 Hays County veterans choose the Texas Vet program

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
Up to $832,750 financed on a fixed 15, 20, 25, or 30-year term
$0 down when the Texas Vet rate is paired with your federal VA loan benefit

Whether you're buying near San Marcos or elsewhere in Hays County, the fastest way to see your numbers is the 60-second eligibility check — no credit pull and no obligation.

Your VA loan is assumable — a hidden selling point

When you sell, a qualified buyer can assume your VA loan and keep its rate, with servicer approval — a serious advantage in a higher-rate market. One caution: unless the buyer is an eligible veteran who substitutes entitlement, yours stays tied to the loan until it's paid off.

Already have a VA loan? The IRRRL is your fast lane

The VA's Interest Rate Reduction Refinance Loan (IRRRL) lets you drop your rate with usually no appraisal, limited paperwork, and a reduced 0.5% funding fee. You'll need 210 days and six payments on your current loan, and your costs must recoup through savings within 36 months — a built-in protection that keeps the refinance honest.

Texas property tax breaks for disabled veterans

Texas rewards service with property tax exemptions that grow with your VA disability rating, up to a full homestead exemption for veterans rated 100% disabled. On top of a discounted Texas Vet rate, this can save thousands every year you own the home.

Browse all 254 Texas counties →

Frequently Asked Questions

How long does a VA loan take to close?

Most VA loans close in about 30–45 days — comparable to conventional loans. Getting your COE early and responding quickly to document requests keeps it on schedule.

Do VA loans have monthly mortgage insurance?

No. VA and Texas Vet loans have no monthly PMI, which can save you hundreds of dollars a month compared with a low-down-payment conventional loan.

Can a friend or partner co-borrow on my VA loan?

A spouse or another eligible veteran can co-borrow normally. A non-spouse civilian co-borrower makes it a 'joint loan' needing prior VA approval and usually a down payment on the civilian's share — possible, but plan ahead.

What is full vs. partial VA entitlement?

With full entitlement there's no VA-imposed loan limit on a $0-down purchase. Partial entitlement (if you have another active VA loan) caps your zero-down power at the county conforming limit — $832,750 in most Texas areas for 2026.

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.

Will a VA appraisal kill my deal?

VA appraisals focus on safety, soundness, and value — not cosmetics. Most pass without issue, and when there are repairs, they're usually minor and negotiable.