VA & Texas Vet home loans for Wilson County veterans
Veterans and military families in Wilson County have a real advantage when buying a home: the Texas Veterans Land Board (VLB) program paired with the federal VA benefit. Together they can mean $0 down, no monthly PMI, and a discounted fixed rate the state sets every week. 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 Floresville to every community across Wilson County.
Why Wilson County veterans choose the Texas Vet program
- A reusable benefit that travels with you to your next Texas home
- 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
- Up to $832,750 financed on a fixed 15, 20, 25, or 30-year term
Whether you're buying near Floresville or elsewhere in Wilson County, the fastest way to see your numbers is the 60-second eligibility check — no credit pull and no obligation.
Roll energy upgrades into your VA loan
The VA's Energy Efficient Mortgage option lets you add up to $6,000 for qualifying improvements — insulation, efficient HVAC, solar screens and the like — onto a purchase or refinance. In a Texas summer, efficiency upgrades pay for themselves in utility bills, and this folds them into one fixed payment.
Why VLB rates are set weekly
The Texas Veterans Land Board adjusts its rate on the first business day of each week, and because it's a state-backed program the rate is frequently below the open market. It's worth checking the current week's rate before you lock.
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.