Texas Vet & VA Loans in Tom Green County, TX

Texas Vet & VA Home Loans in Tom Green 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.

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VA & Texas Vet home loans for Tom Green County veterans

Tom Green County is home to veterans who've earned one of the strongest home-loan benefits in the country. The Texas Vet and VA programs let you buy with nothing down, no PMI, and rates that are frequently below what civilian buyers see. You can finance up to $832,750 on a fixed 15-, 20-, 25-, or 30-year term. We work with veteran buyers throughout Tom Green County, including San Angelo and the nearby communities.

Why Tom Green 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 Tom Green County

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.

Your VA loan is assumable — a hidden selling point

When you sell, a qualified buyer can assume your VA loan and keep its rate, with servicer approval — a serious advantage in a higher-rate market. One caution: unless the buyer is an eligible veteran who substitutes entitlement, yours stays tied to the loan until it's paid off.

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.

Browse all 254 Texas counties →

Frequently Asked Questions

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.

How long does a VA loan take to close?

Most VA loans close in about 30–45 days — comparable to conventional loans. Getting your COE early and responding quickly to document requests keeps it on schedule.

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.

Can I buy a multi-unit property with a VA loan?

Yes — you can buy up to a four-unit property with a VA loan as long as you occupy one of the units as your primary residence.

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.