Texas Vet & VA Loans in Swisher County, TX

Texas Vet & VA Home Loans in Swisher 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

Home loans for Swisher County veterans and military families

For Swisher 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. Your VA entitlement can be restored and reused, so the benefit is there for your next move too. From Tulia to the surrounding towns, we help Swisher County veterans find the right loan and lock a competitive rate.

Swisher County at a glance

In Swisher County, the median household income is about $60,199 (2024). Eligible veterans can finance a home at that price with no money down and no monthly PMI — a real edge against local prices.

Why Swisher County veterans choose the Texas Vet program

Below-market VLB interest rates, re-set the first business day of every week
Use it to buy a home — the VLB also offers Texas land and home-improvement loans
An extra rate discount for veterans with a 30%+ service-connected disability rating
Up to $832,750 financed on a fixed 15, 20, 25, or 30-year term

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

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.

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.

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.

Browse all 254 Texas counties →

Frequently Asked Questions

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.

Is there a minimum credit score for a VA loan?

The VA itself doesn't set a hard minimum, though many lenders look for around 620. Strong residual income and a clean recent history matter as much as the score.

What are the VA funding fee tiers?

For purchases: 2.15% on first use with less than 5% down, 1.5% with 5-9.99% down, 1.25% with 10%+ down, and 3.3% for subsequent use with less than 5% down. The IRRRL streamline refinance is just 0.5%. Veterans receiving VA disability compensation are exempt.

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.

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.