Home loans for Lavaca County veterans and military families
For Lavaca County veterans, the road to homeownership runs through two programs worth knowing well: the Texas Veterans Land Board and the federal VA loan. Combine them and you get a state-discounted rate with no down payment required. Pairing the VLB loan with your VA benefit means a discounted rate and zero down on the same home. We work with veteran buyers throughout Lavaca County, including Hallettsville and the nearby communities.
Why Lavaca 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 Lavaca 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.
Funding fee tiers — and who skips them
The VA funding fee runs 2.15% on a first-use purchase with less than 5% down, drops to 1.5% with 5% down and 1.25% with 10% down, and is 3.3% for subsequent use with minimal down. IRRRLs are just 0.5%. Veterans receiving VA disability compensation, Purple Heart recipients, and eligible surviving spouses pay nothing.