Ready Front Real Estate
Texas Veteran Homebuyer and VA Loan Hub
Understand your VA loan options, funding fee exemption eligibility, Texas veteran benefits, and buying power—then search live Central Texas homes.
Start With Your Veteran Command CenterVA funding fee.
Who may qualify for a VA funding fee exemption?
The VA generally charges a one-time funding fee on VA-backed purchase and refinance loans, but some borrowers are exempt. You may qualify if you receive VA compensation for a service-connected disability, are eligible for that compensation but receive retirement or active-duty pay instead, receive a qualifying pre-discharge disability rating, are an active-duty Purple Heart recipient, or are a qualifying surviving spouse receiving Dependency and Indemnity Compensation.
Your Certificate of Eligibility and lender file should show the VA’s determination. If a qualifying disability award becomes effective before closing but is issued afterward, the VA may refund the fee. Eligibility is case-specific, so confirm it with the VA and your lender before relying on an exemption or refund.
Veteran Command Center.
Before you shop in Texas, know what you can actually afford.
No credit pull. No lender pressure. Just a smart first step.
Step 1 of 5
What is your household size?
Texas VA income limits vary by household
Include yourself, spouse, and dependents
Texas Veterans Land Board.
Buying a home or land in Texas as a veteran
The Texas Veterans Land Board offers separate home, land, and home-improvement loan programs for eligible Texas veterans. Program rates, limits, property rules, and credit requirements can change, so verify the current terms with VLB before choosing a property or financing strategy.
Review current VLB programs →Live Central Texas inventory.
Start with homes that fit your mission
Search current listings first, then confirm VA appraisal, property-condition, and lender requirements before making an offer.
Property tax savings.
Texas veterans may save thousands per year in property taxes.
Select your disability rating below to see the exemption on a $400,000 home. At 100% P&T, you pay $0.
Example home value
$400,000
Tax rate
2.17% (Austin MSA avg)
Annual tax (no exemption)
$8,680
Select your VA disability rating
Example only. Actual exemptions vary by county appraisal district. Verify with your county CAD. Texas Tax Code §11.22 and §11.131.
Texas Disabled Veteran Property Tax Exemption — how it works, what it saves, and how to apply.
Texas veteran benefits.
What you’ve earned and how to use it.
Speak directly.
Speak with Raoul directly.
Broker. Veteran. Texas real estate advisor.
(737) 210-1690 · info@readyfrontrealestate.com
Already own a home?
See what your home may be worth before you make your next move.
Whether you’re upgrading, downsizing, or moving to a new city — knowing your current home’s value is the first number you need.
Get My Home ValueQuestions.
Questions Texas veterans ask every day.
Your broker
From Army to Austin real estate
After 10 years in the U.S. Army, I transitioned to real estate with one mission: make sure veterans stop leaving money on the table. Missed funding fee exemptions, misunderstood residual income, overpaid property taxes — I’ve seen it all.
That’s why I built Ready Front Real Estate and the Veteran Command Center — so you can see your real numbers before you talk to anyone.
Raoul Rowe
Broker-Owner · U.S. Army Veteran · TREC 661205-B
Video library.
Veteran Questions. Straight Answers.
This library is updated regularly. Save this page and come back anytime.
Texas Disabled Veteran Property Tax Exemption Explained
How the 100% P&T exemption works, what it saves you, and how to apply with your county CAD.
Buying a Home as a 100% Disabled Veteran: Best Practices
$0 down, no funding fee, $0 property tax — here's how all three stack together in Texas.
How to Apply for a VLB Land Loan
What to expect from the Texas Veterans Land Board land loan application process.
Texas Veteran Home Buying 101
VA loan, VLB loan, new construction, property taxes — the full overview for Texas veteran buyers.
Veteran Land Board Loan Explained
How the VLB home loan works, who qualifies, and when it makes sense vs. the VA loan.
VA Loan vs. Texas Veteran Land Board Home Loan
Side-by-side comparison. Which program puts more money in your pocket depends on your situation.