Home loans for Marion County veterans and military families
If you served and you're putting down roots in Marion County, the Texas Vet loan was built for you. Eligible veterans buy with no down payment, skip monthly mortgage insurance, and — if rated 30% or more disabled — unlock an additional rate discount. 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 Marion County, including Jefferson and the nearby communities.
Why Marion 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 Marion 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.
Build new with a one-time close
VA one-time-close construction loans fund land, construction, and the permanent mortgage in a single closing — often $0 down with full entitlement. You'll need a licensed builder (you can't be your own GC) and a fixed-price contract. If no construction lender fits, build with interim financing and refinance into a VA loan at completion.
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.