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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Central Texas veterans in Waco — close to Fort Cavazos — use the Texas Vet (VLB) program to buy along the I-35 corridor.
Serving Waco and surrounding McLennan County communities including Castle Heights, Woodway, China Spring, Hewitt. Whether you're buying your first home or moving up, the Texas Vet (VLB) program and your VA benefit can mean $0 down and a discounted fixed rate.
Why Waco veterans choose the Texas Vet program
Below-market, weekly-set VLB interest rates
Additional discount for 30%+ disabled veterans
No down payment when combined with a VA loan
Local Waco loan officers who know veteran lending
Frequently Asked Questions
What is the Texas Vet (VLB) loan program?
The Texas Veterans Land Board offers below-market, fixed-rate home, land, and home-improvement loans to qualifying Texas veterans and military members. It can be combined with a VA loan for $0 down.
Do disabled veterans get a better rate?
Yes. Veterans with a VA service-connected disability rating of 30% or greater qualify for an additional discounted interest rate, and the VA funding fee is waived.
How much can I borrow?
Eligible veterans can finance up to $832,750 on a fixed 15, 20, 25, or 30-year term for a primary residence.
Can I use my VA benefit and the Texas Vet program together?
Yes — many Texas veterans pair the VLB program with their federal VA loan benefit to get the best rate with no down payment.
Waco veterans — see your rate
Free, no-obligation. See what you qualify for in about a minute.