Serving Greater San Antonio2.6M+ residents · 250k+ veterans
Texas Vet & VA Home Loans in New Braunfels, 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
Between San Antonio and Austin, New Braunfels veterans use the Texas Vet (VLB) program to buy in one of the fastest-growing cities in the country.
From Gruene, Vintage Oaks, Veramendi and beyond, our partner loan officers serve every corner of New Braunfels and the wider San Antonio–New Braunfels area. With Joint Base San Antonio (nearby) nearby, local lenders here know military files inside and out.
Why New Braunfels veterans choose the Texas Vet program
Finance up to $832,750 on a fixed 15–30 year term
BAH and disability income can count toward qualifying
Below-market VLB interest rates, updated weekly by the state
Extra rate discount for 30%+ disabled veterans, with the funding fee waived
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.
Texas property tax breaks for disabled veterans
Texas rewards service with property tax exemptions that grow with your VA disability rating, up to a full homestead exemption for veterans rated 100% disabled. On top of a discounted Texas Vet rate, this can save thousands every year you own the home.
Credit matters less than you think
The VA sets no hard minimum credit score. Lenders often look for around 620, but the program's residual-income test — money left over after your bills — is generous, which is why many veterans qualify when conventional lenders say no.
A spouse or another eligible veteran can co-borrow normally. A non-spouse civilian co-borrower makes it a 'joint loan' needing prior VA approval and usually a down payment on the civilian's share — possible, but plan ahead.
Will a VA appraisal kill my deal?
VA appraisals focus on safety, soundness, and value — not cosmetics. Most pass without issue, and when there are repairs, they're usually minor and negotiable.
What happens to my VA loan in a divorce?
You stay liable until the loan is refinanced, paid off, or assumed with a release. If your ex keeps the home and the loan, your entitlement stays tied to it. A Texas owelty lien written into the decree can help the spouse keeping the home refinance the buyout.
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 have more than one VLB loan at once?
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.
Do VA loans have monthly mortgage insurance?
No. VA and Texas Vet loans have no monthly PMI, which can save you hundreds of dollars a month compared with a low-down-payment conventional loan.
New Braunfels veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.