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.
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$0-down VA and Texas Vet loans across Lamar County
Homeownership in Lamar 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. Military income like BAH can often be counted to increase what you qualify for. Whether you're buying in Paris or elsewhere in Lamar County, a local specialist can map your options.
Why Lamar County veterans choose the Texas Vet program
Below-market VLB interest rates, updated weekly
Extra rate discount for 30%+ disabled veterans, funding fee waived
$0 down when combined with a VA loan
Local loan officers who specialize in veteran lending across Lamar County
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.
Occupancy: this is for your home
VA and Texas Vet purchase loans are for primary residences. You'll generally move in within 60 days of closing and keep the home as your primary residence — they aren't for investment properties, though you can buy a multi-unit home and live in one unit.
Stacking the VLB program with your VA benefit
You don't have to choose. Many Texas veterans pair the VLB program's discounted, weekly-set rate with the VA loan's $0 down and no PMI — getting a lower rate AND no money down on the same purchase. The right structure depends on your situation.
For purchases: 2.15% on first use with less than 5% down, 1.5% with 5-9.99% down, 1.25% with 10%+ down, and 3.3% for subsequent use with less than 5% down. The IRRRL streamline refinance is just 0.5%. Veterans receiving VA disability compensation are exempt.
Can I refinance a Texas Vet (VLB) loan?
No, the VLB home loan is for purchases only. If rates fall later, you'd refinance through your federal VA loan benefit, which does allow it.
Does the VLB offer a home improvement loan?
Yes. The VLB home improvement loan can finance repairs and upgrades on your existing primary residence with fixed terms. Some project types are excluded, so confirm scope eligibility before signing contractor agreements.
Can I use my VA benefit more than once?
Yes. The VA home loan benefit can be reused, and your entitlement can be restored as you pay down or sell a prior VA-financed home.
Do disabled veterans get a Texas property tax exemption?
Yes. Texas offers property tax exemptions that scale with your VA disability rating, and veterans rated 100% disabled may qualify for a total homestead property tax exemption. This is separate from the loan but a major ongoing savings.
How much is the VA funding fee?
The VA funding fee generally ranges from about 1.5% to 3.3% of the loan amount and can be financed into the loan. Veterans receiving VA disability compensation, Purple Heart recipients, and eligible surviving spouses are exempt.
Lamar County veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.