Home loans for King County veterans and military families
Veterans across King 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. You can finance up to $832,750 on a fixed 15-, 20-, 25-, or 30-year term. We work with veteran buyers throughout King County, including Guthrie and the nearby communities.
King County at a glance
In King County, the median household income is about $88,031 (2024). Eligible veterans can finance a home at that price with no money down and no monthly PMI — a real edge against local prices.
Why King County veterans choose the Texas Vet program
- Below-market VLB interest rates, re-set the first business day of every week
- The VA funding fee waived entirely for qualifying disabled veterans
- No monthly mortgage insurance (PMI), unlike most conventional loans
- Use it to buy a home — the VLB also offers Texas land and home-improvement loans
Veterans across King County use the Texas Vet program to buy with little or no money down at a below-market rate; the check confirms what you qualify for in about a minute.
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.
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.