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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If you served and you're putting down roots in Hood 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. Your VA entitlement can be restored and reused, so the benefit is there for your next move too. From Granbury to the surrounding towns, we help Hood County veterans find the right loan and lock a competitive rate.
Why Hood 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 Hood County
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.
VLB land loans for Texas veterans
Beyond home loans, the Texas Veterans Land Board offers a land loan that lets eligible veterans buy acreage in Texas — often with as little as 5% down — even when traditional banks won't finance raw land. It's a benefit unique to Texas.
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.
Can I build a new home with my VA benefit?
Yes. VA one-time-close construction loans fund the land, build, and permanent mortgage in a single closing, often with $0 down. A licensed builder and fixed-price contract are required; fewer lenders offer the product, so shop carefully.
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.
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.
Hood County veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.