Texas Vet & VA Home Loans in Shackelford 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.
★★★★★ 5.0 Google ReviewsNMLS #XXXXXXEqual Housing Lender
$0-down VA and Texas Vet loans across Shackelford County
Whether you're a first-time buyer or moving up in Shackelford County, your service opens doors. Texas Vet and VA loans offer $0 down, no monthly mortgage insurance, and added discounts for disabled veterans. Veterans rated 30% or more disabled unlock an extra rate discount and a waived funding fee. Our partner loan officers serve veterans from the county seat of Albany to every community across Shackelford County.
Why Shackelford 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 Shackelford County
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.
Benefits for spouses and surviving spouses
Spouses can co-borrow, and unremarried surviving spouses of veterans who died in service or from a service-connected disability may be able to use the VA home loan benefit themselves — including the funding-fee exemption.
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.
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.
Can I build a new home with my VA benefit?
Yes. VA one-time-close construction loans fund the land, build, and permanent mortgage in a single closing, often with $0 down. A licensed builder and fixed-price contract are required; fewer lenders offer the product, so shop carefully.
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.
Can a friend or partner co-borrow on my VA loan?
A spouse or another eligible veteran can co-borrow normally. A non-spouse civilian co-borrower makes it a 'joint loan' needing prior VA approval and usually a down payment on the civilian's share — possible, but plan ahead.
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.
Can I have more than one VLB loan at once?
Yes — it's possible to have one active loan in each VLB program (home, land, and home improvement) at the same time, if you qualify for each.
Shackelford County veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.