Texas Vet & VA Loans in Kerr County, TX

Texas Vet & VA Home Loans in Kerr 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

Home loans for Kerr County veterans and military families

Homeownership in Kerr 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. VLB rates are set weekly by the state and frequently land below the open market. Our partner loan officers serve veterans from the county seat of Kerrville to every community across Kerr County.

Kerr County at a glance

In Kerr County, the typical home was listing around $499,000 as of June 2026 and the median household income is about $69,674 (2024). For a veteran buying here, a $0-down Texas Vet or VA loan means that price needs no down payment, and the below-market VLB rate keeps the monthly payment within reach.

Why Kerr County veterans choose the Texas Vet program

The VA funding fee waived entirely for qualifying disabled veterans
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
Use it to buy a home — the VLB also offers Texas land and home-improvement loans

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

Manufactured and modular homes qualify

A VA loan can finance a manufactured home built to HUD code on a permanent foundation and titled as real property — in Texas, via a Statement of Ownership filed with the TDHCA. Modular homes are even simpler: the VA treats them like site-built houses on standard terms.

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.

Understanding the VA funding fee

The VA funding fee (about 1.5%–3.3% of the loan) replaces monthly mortgage insurance and helps keep the program running. It can be rolled into your loan, and if you receive VA disability compensation you're exempt entirely — one of the biggest reasons disabled veterans save so much.

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Frequently Asked Questions

How is BAH counted toward qualifying?

Basic Allowance for Housing (BAH) can often be counted as effective income toward qualifying, which can meaningfully increase the home price you're approved for.

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.

What is a VA Certificate of Eligibility (COE)?

The COE verifies you meet the VA's service requirements and shows whether you have full or partial entitlement. We can help you pull it quickly — having it ready up front speeds up your approval.

How big a tract can the VLB land loan finance?

At least one usable acre, currently up to $200,000 with as little as 5% down on a fixed term — and the 30%+ disability rate discount applies to land loans too.

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.

Can I buy a barndominium with a VA loan in Texas?

Often yes — the home must meet VA property requirements and the appraiser needs comparable sales, which rural Texas has more of than most places. It's a lender-by-lender call worth confirming early.