Texas Vet & VA Loans in Webb County, TX

Texas Vet & VA Home Loans in Webb 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 Webb County veterans

Veterans across Webb County use the Texas Vet (VLB) program to compete in today's market — a weekly, state-set rate that often beats the open market, with the VA benefit layered on for no down payment. VLB rates are set weekly by the state and frequently land below the open market. Our partner loan officers serve veterans from the county seat of Laredo to every community across Webb County.

Why Webb 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 Webb 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.

Credit matters less than you think

The VA sets no hard minimum credit score. Lenders often look for around 620, but the program's residual-income test — money left over after your bills — is generous, which is why many veterans qualify when conventional lenders say no.

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.

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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.

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.

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.

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.

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.

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.