Serving Dallas–Fort Worth7.9M+ residents across 11,000+ square miles
Texas Vet & VA Home Loans in Frisco, 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
Fast-growing Frisco is a top destination for veteran families using the Texas Vet (VLB) program to buy new construction in Collin County.
We work with veteran buyers across Starwood, Phillips Creek Ranch, The Star district — from Frisco to the surrounding Dallas–Fort Worth Metroplex communities.
The Frisco veteran's advantage
$0 down when combined with your federal VA benefit
Extra rate discount for 30%+ disabled veterans, with the funding fee waived
BAH and disability income can count toward qualifying
Local loan officers who structure VLB + VA stacking every week
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.
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.
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.
Yes — it's possible to have one active loan in each VLB program (home, land, and home improvement) at the same time, if you qualify for each.
Can my spouse be a co-borrower?
Spouses can be co-borrowers on these programs, and surviving spouses of veterans who died in service or from a service-connected disability may be eligible to use the benefit themselves.
Can a VA loan finance a manufactured home?
Yes, if the home was built to HUD code (June 15, 1976 or later), sits on a permanent foundation, and is titled as real property — in Texas that means a Statement of Ownership filed with the TDHCA.
Can I buy a barndominium with a VA loan in Texas?
Often yes — the home must meet VA property requirements and the appraiser needs comparable sales, which rural Texas has more of than most places. It's a lender-by-lender call worth confirming early.
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 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.
Frisco veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.