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.
Waller County at a glance
In Waller County, the median household income is about $83,520 (2024). Against those numbers, the Texas Vet program's below-market rate and $0-down structure are exactly what help local veterans afford a home.
Why Waller County veterans choose the Texas Vet program
- Use it to buy a home — the VLB also offers Texas land and home-improvement loans
- Up to $832,750 financed on a fixed 15, 20, 25, or 30-year term
- An extra rate discount for veterans with a 30%+ service-connected disability rating
- $0 down when the Texas Vet rate is paired with your federal VA loan benefit
Whether you're buying near Hempstead or elsewhere in Waller County, the fastest way to see your numbers is the 60-second eligibility check — no credit pull and no obligation.
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.