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.
★★★★★ 5.0 Google ReviewsNMLS #XXXXXXEqual Housing Lender
Homeownership in Martin 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. Whether you're buying in Stanton or elsewhere in Martin County, a local specialist can map your options.
Why Martin 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 Martin County
Texas property tax breaks for disabled veterans
Texas rewards service with property tax exemptions that grow with your VA disability rating, up to a full homestead exemption for veterans rated 100% disabled. On top of a discounted Texas Vet rate, this can save thousands every year you own the home.
Credit matters less than you think
The VA sets no hard minimum credit score. Lenders often look for around 620, but the program's residual-income test — money left over after your bills — is generous, which is why many veterans qualify when conventional lenders say no.
Texas acreage with 5% down
The VLB land loan is the only program of its kind in the nation: eligible Texas veterans finance tracts of one acre or more — currently up to $200,000 — with as little as 5% down on a fixed term. Banks rarely touch raw land on those terms, and the 30%+ disability rate discount applies here too.
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.
What is full vs. partial VA entitlement?
With full entitlement there's no VA-imposed loan limit on a $0-down purchase. Partial entitlement (if you have another active VA loan) caps your zero-down power at the county conforming limit — $832,750 in most Texas areas for 2026.
When do I have to move into the home?
VA and Texas Vet purchase loans require owner-occupancy. You'll generally need to occupy the home within about 60 days of closing and keep it as your primary residence.
What happens to my VA loan in a divorce?
You stay liable until the loan is refinanced, paid off, or assumed with a release. If your ex keeps the home and the loan, your entitlement stays tied to it. A Texas owelty lien written into the decree can help the spouse keeping the home refinance the buyout.
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.
What's the difference between the Texas Vet loan and a VA loan?
The Texas Vet (VLB) loan is a state program with weekly, below-market rates; the VA loan is a federal benefit with $0 down and no PMI. Many Texas veterans combine both for the best of each.
Martin County veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.