Texas Vet & VA loans in McKinney, Texas
McKinney veterans use the Texas Vet (VLB) program to buy in a historic, fast-appreciating Collin County market.
We work with veteran buyers across Historic Downtown, Stonebridge Ranch, Craig Ranch — from McKinney to the surrounding Dallas–Fort Worth Metroplex communities.
Why McKinney veterans choose the Texas Vet program
- Finance up to $832,750 on a fixed 15–30 year term
- No monthly PMI — often $150–$250/month saved vs. conventional
- Below-market VLB interest rates, updated weekly by the state
- BAH and disability income can count toward qualifying
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.
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.
Already have a VA loan? The IRRRL is your fast lane
The VA's Interest Rate Reduction Refinance Loan (IRRRL) lets you drop your rate with usually no appraisal, limited paperwork, and a reduced 0.5% funding fee. You'll need 210 days and six payments on your current loan, and your costs must recoup through savings within 36 months — a built-in protection that keeps the refinance honest.