Home loans for Howard County veterans and military families
Homeownership in Howard County is closer than many veterans realize. The Texas Vet and VA loan programs remove the two biggest hurdles — the down payment and mortgage insurance — for those who qualify. Veterans rated 30% or more disabled unlock an extra rate discount and a waived funding fee. We work with veteran buyers throughout Howard County, including Big Spring and the nearby communities.
Why Howard County veterans choose the Texas Vet program
- Below-market VLB interest rates, re-set the first business day of every week
- An extra rate discount for veterans with a 30%+ service-connected disability rating
- A reusable benefit that travels with you to your next Texas home
- Use it to buy a home — the VLB also offers Texas land and home-improvement loans
Whether you're buying near Big Spring or elsewhere in Howard County, the fastest way to see your numbers is the 60-second eligibility check — no credit pull and no obligation.
Build new with a one-time close
VA one-time-close construction loans fund land, construction, and the permanent mortgage in a single closing — often $0 down with full entitlement. You'll need a licensed builder (you can't be your own GC) and a fixed-price contract. If no construction lender fits, build with interim financing and refinance into a VA loan at completion.
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.
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.