Serving Austin–Round Rock2.5M+ residents · fastest-growing big metro of the decade
Texas Vet & VA Home Loans in Austin, 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.
★★★★★ 5.0 Google ReviewsNMLS #XXXXXXEqual Housing Lender
Austin veterans use the Texas Vet (VLB) program to break into one of the country's most competitive housing markets with a discounted fixed rate.
We work with veteran buyers across South Congress, Mueller, Westlake, East Austin, Circle C — from Austin to the surrounding Austin–Round Rock communities. Camp Mabry anchors a deep military community here, so VA offers are routine — not exotic.
What Austin veterans get with VLB + VA
No monthly PMI — often $150–$250/month saved vs. conventional
Extra rate discount for 30%+ disabled veterans, with the funding fee waived
Finance up to $832,750 on a fixed 15–30 year term
BAH and disability income can count toward qualifying
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.
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.
Stacking the VLB program with your VA benefit
You don't have to choose. Many Texas veterans pair the VLB program's discounted, weekly-set rate with the VA loan's $0 down and no PMI — getting a lower rate AND no money down on the same purchase. The right structure depends on your situation.
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 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.
Can I buy a condo with a VA loan?
Yes, if the condo project is VA-approved. Many Texas projects already are, and lenders can request approval for ones that aren't — just build extra time into your contract.
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.
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.
Austin veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.