Texas Vet & VA Loans in Schleicher County, TX

Texas Vet & VA Home Loans in Schleicher County, TX

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.

Licensed Texas loan specialists NMLS ID available on request Equal Housing Opportunity

VA & Texas Vet home loans for Schleicher County veterans

If you served and you're putting down roots in Schleicher 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. Disabled veterans may also qualify for Texas property tax exemptions worth thousands a year. Whether you're buying in Eldorado or elsewhere in Schleicher County, a local specialist can map your options.

Schleicher County at a glance

In Schleicher County, the median household income is about $68,029 (2024). Veterans here often pair the weekly VLB rate with their federal VA benefit to buy at the local price point with $0 down.

Why Schleicher County veterans choose the Texas Vet program

Use it to buy a home — the VLB also offers Texas land and home-improvement loans
The VA funding fee waived entirely for qualifying disabled veterans
Up to $832,750 financed on a fixed 15, 20, 25, or 30-year term
Loan officers who specialize in veteran lending in Schleicher County and across Texas

Whether you're buying near Eldorado or elsewhere in Schleicher County, the fastest way to see your numbers is the 60-second eligibility check — no credit pull and no obligation.

Already have a VA loan? The IRRRL is your fast lane

The VA's Interest Rate Reduction Refinance Loan (IRRRL) lets you drop your rate with usually no appraisal, limited paperwork, and a reduced 0.5% funding fee. You'll need 210 days and six payments on your current loan, and your costs must recoup through savings within 36 months — a built-in protection that keeps the refinance honest.

Why VLB rates are set weekly

The Texas Veterans Land Board adjusts its rate on the first business day of each week, and because it's a state-backed program the rate is frequently below the open market. It's worth checking the current week's rate before you lock.

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.

Browse all 254 Texas counties →

Frequently Asked Questions

Do VA loans have monthly mortgage insurance?

No. VA and Texas Vet loans have no monthly PMI, which can save you hundreds of dollars a month compared with a low-down-payment conventional loan.

Can my spouse be a co-borrower?

Spouses can be co-borrowers on these programs, and surviving spouses of veterans who died in service or from a service-connected disability may be eligible to use the benefit themselves.

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.

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.

How big a tract can the VLB land loan finance?

At least one usable acre, currently up to $200,000 with as little as 5% down on a fixed term — and the 30%+ disability rate discount applies to land loans too.

How is BAH counted toward qualifying?

Basic Allowance for Housing (BAH) can often be counted as effective income toward qualifying, which can meaningfully increase the home price you're approved for.