Home loans for Kendall County veterans and military families
Veterans across Kendall 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. We work with veteran buyers throughout Kendall County, including Boerne and the nearby communities.
Kendall County at a glance
In Kendall County, the median household income is about $121,401 (2024). Against those numbers, the Texas Vet program's below-market rate and $0-down structure are exactly what help local veterans afford a home.
Why Kendall County veterans choose the Texas Vet program
- A reusable benefit that travels with you to your next Texas home
- An extra rate discount for veterans with a 30%+ service-connected disability rating
- $0 down when the Texas Vet rate is paired with your federal VA loan benefit
- No monthly mortgage insurance (PMI), unlike most conventional loans
Whether you're buying near Boerne or elsewhere in Kendall County, the fastest way to see your numbers is the 60-second eligibility check — no credit pull and no obligation.
Texas acreage with 5% down
The VLB land loan is the only program of its kind in the nation: eligible Texas veterans finance tracts of one acre or more — currently up to $200,000 — with as little as 5% down on a fixed term. Banks rarely touch raw land on those terms, and the 30%+ disability rate discount applies here too.
Using your benefit on a brand-new home
Buying a completed new build from a builder works seamlessly with the Texas Vet and VA programs — same $0-down, no-PMI structure, plus a one-year builder warranty on most new homes. Building custom takes a VA construction loan or interim financing, and a VLB land loan can hold your homesite while plans come together.
Benefits for spouses and surviving spouses
Spouses can co-borrow, and unremarried surviving spouses of veterans who died in service or from a service-connected disability may be able to use the VA home loan benefit themselves — including the funding-fee exemption.