Texas Vet & VA Loans in Wichita County, TX

Texas Vet & VA Home Loans in Wichita 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.

Licensed Texas loan specialists NMLS ID available on request Equal Housing Opportunity

Home loans for Wichita County veterans and military families

Buying a home in Wichita 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, Wichita County veterans often keep tens of thousands in their pockets. Your VA entitlement can be restored and reused, so the benefit is there for your next move too. Our partner loan officers serve veterans from the county seat of Wichita Falls to every community across Wichita County.

Wichita County at a glance

In Wichita County, the typical home was listing around $189,100 as of June 2026 and the median household income is about $65,480 (2024). Eligible veterans can finance a home at that price with no money down and no monthly PMI — a real edge against local prices.

Why Wichita County veterans choose the Texas Vet program

Use it to buy a home — the VLB also offers Texas land and home-improvement loans
$0 down when the Texas Vet rate is paired with your federal VA loan benefit
Below-market VLB interest rates, re-set the first business day of every week
The VA funding fee waived entirely for qualifying disabled veterans

If you're a veteran or military family buying in Wichita County, a quick eligibility check shows this week's VLB rate and whether stacking it with your VA benefit beats a straight VA loan.

VLB land loans for Texas veterans

Beyond home loans, the Texas Veterans Land Board offers a land loan that lets eligible veterans buy acreage in Texas — often with as little as 5% down — even when traditional banks won't finance raw land. It's a benefit unique to Texas.

No monthly mortgage insurance — ever

Unlike conventional loans with less than 20% down, VA and Texas Vet loans carry no monthly PMI. On a typical Texas home that's often $150–$250 saved every month, money that stays with your family instead of an insurer.

Benefits for spouses and surviving spouses

Spouses can co-borrow, and unremarried surviving spouses of veterans who died in service or from a service-connected disability may be able to use the VA home loan benefit themselves — including the funding-fee exemption.

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Frequently Asked Questions

How big a tract can the VLB land loan finance?

At least one usable acre, currently up to $200,000 with as little as 5% down on a fixed term — and the 30%+ disability rate discount applies to land loans too.

How much is the VA funding fee?

The VA funding fee generally ranges from about 1.5% to 3.3% of the loan amount and can be financed into the loan. Veterans receiving VA disability compensation, Purple Heart recipients, and eligible surviving spouses are exempt.

Can I use a Texas Vet loan for land?

Yes. The Texas Veterans Land Board offers a separate land loan that lets eligible veterans buy land in Texas — often with as little as 5% down — which most conventional lenders won't finance.

Do disabled veterans get a Texas property tax exemption?

Yes. Texas offers property tax exemptions that scale with your VA disability rating, and veterans rated 100% disabled may qualify for a total homestead property tax exemption. This is separate from the loan but a major ongoing savings.

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 build a new home with my VA benefit?

Yes. VA one-time-close construction loans fund the land, build, and permanent mortgage in a single closing, often with $0 down. A licensed builder and fixed-price contract are required; fewer lenders offer the product, so shop carefully.