VA & Texas Vet home loans for Houston County veterans
Buying a home in Houston County as a veteran doesn't have to start with a big down payment. Between the VLB program's below-market rate and the VA loan's $0-down, no-PMI structure, Houston County veterans often keep tens of thousands in their pockets. Disabled veterans may also qualify for Texas property tax exemptions worth thousands a year. We work with veteran buyers throughout Houston County, including Crockett and the nearby communities.
Why Houston County veterans choose the Texas Vet program
- The VA funding fee waived entirely for qualifying disabled veterans
- An extra rate discount for veterans with a 30%+ service-connected disability rating
- Up to $832,750 financed on a fixed 15, 20, 25, or 30-year term
- Below-market VLB interest rates, re-set the first business day of every week
Crockett and the rest of Houston 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.
Funding fee tiers — and who skips them
The VA funding fee runs 2.15% on a first-use purchase with less than 5% down, drops to 1.5% with 5% down and 1.25% with 10% down, and is 3.3% for subsequent use with minimal down. IRRRLs are just 0.5%. Veterans receiving VA disability compensation, Purple Heart recipients, and eligible surviving spouses pay nothing.
Credit matters less than you think
The VA sets no hard minimum credit score. Lenders often look for around 620, but the program's residual-income test — money left over after your bills — is generous, which is why many veterans qualify when conventional lenders say no.
Divorce and your VA entitlement
If your ex keeps the home and the VA loan, your entitlement stays tied to that property until it's refinanced or paid off — which can block your next $0-down purchase. Texas's owelty of partition lien, written into the decree, helps the spouse keeping the home refinance the equity buyout. Sort the mortgage before the decree is final.