Serving Central TexasFort Cavazos: one of the largest U.S. Army posts
Texas Vet & VA Home Loans in Tyler, 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.
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East Texas veterans in Tyler use the Texas Vet (VLB) program — with extra rate discounts for disabled veterans — to buy across Smith County.
Popular areas like The Woods, Hollytree, Cumberland all qualify — anywhere in Tyler or the greater Tyler area works.
What Tyler veterans get with VLB + VA
Reusable entitlement — the benefit travels to your next home too
BAH and disability income can count toward qualifying
Finance up to $832,750 on a fixed 15–30 year term
No monthly PMI — often $150–$250/month saved vs. conventional
Occupancy: this is for your home
VA and Texas Vet purchase loans are for primary residences. You'll generally move in within 60 days of closing and keep the home as your primary residence — they aren't for investment properties, though you can buy a multi-unit home and live in one unit.
Full entitlement means no loan limit
If you have full VA entitlement, there's no VA-imposed cap on a $0-down purchase — you're limited only by what you can afford. Partial entitlement (from another active VA loan) caps zero-down buying power at the county limit, $832,750 in most of Texas for 2026.
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.
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.
How is BAH counted toward qualifying?
Basic Allowance for Housing (BAH) can often be counted as effective income toward qualifying, which can meaningfully increase the home price you're approved for.
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.
What is full vs. partial VA entitlement?
With full entitlement there's no VA-imposed loan limit on a $0-down purchase. Partial entitlement (if you have another active VA loan) caps your zero-down power at the county conforming limit — $832,750 in most Texas areas for 2026.
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.
Tyler veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.