Texas Vet & VA loans in Waller County, Texas
Buying a home in Waller County as a veteran doesn't have to start with a big down payment. Between the VLB program's below-market rate and the VA loan's $0-down, no-PMI structure, Waller County veterans often keep tens of thousands in their pockets. You can finance up to $832,750 on a fixed 15-, 20-, 25-, or 30-year term. We work with veteran buyers throughout Waller County, including Hempstead and the nearby communities.
Why Waller 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 Waller County
Understanding the VA funding fee
The VA funding fee (about 1.5%–3.3% of the loan) replaces monthly mortgage insurance and helps keep the program running. It can be rolled into your loan, and if you receive VA disability compensation you're exempt entirely — one of the biggest reasons disabled veterans save so much.
Divorce and your VA entitlement
If your ex keeps the home and the VA loan, your entitlement stays tied to that property until it's refinanced or paid off — which can block your next $0-down purchase. Texas's owelty of partition lien, written into the decree, helps the spouse keeping the home refinance the equity buyout. Sort the mortgage before the decree is final.
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.