VA & Texas Vet home loans for Washington County veterans
For Washington 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. Pairing the VLB loan with your VA benefit means a discounted rate and zero down on the same home. From Brenham to the surrounding towns, we help Washington County veterans find the right loan and lock a competitive rate.
Washington County at a glance
In Washington County, the median household income is about $73,738 (2024). Veterans here often pair the weekly VLB rate with their federal VA benefit to buy at the local price point with $0 down.
Why Washington County veterans choose the Texas Vet program
- An extra rate discount for veterans with a 30%+ service-connected disability rating
- 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
- The VA funding fee waived entirely for qualifying disabled veterans
Veterans across Washington County use the Texas Vet program to buy with little or no money down at a below-market rate; the check confirms what you qualify for in about a minute.
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.
Funding fee tiers — and who skips them
The VA funding fee runs 2.15% on a first-use purchase with less than 5% down, drops to 1.5% with 5% down and 1.25% with 10% down, and is 3.3% for subsequent use with minimal down. IRRRLs are just 0.5%. Veterans receiving VA disability compensation, Purple Heart recipients, and eligible surviving spouses pay nothing.
Already have a VA loan? The IRRRL is your fast lane
The VA's Interest Rate Reduction Refinance Loan (IRRRL) lets you drop your rate with usually no appraisal, limited paperwork, and a reduced 0.5% funding fee. You'll need 210 days and six payments on your current loan, and your costs must recoup through savings within 36 months — a built-in protection that keeps the refinance honest.