Texas Veterans Home Loans - VA & VLB Loans
Texas Veterans Real Estate Benefits

Army Veteran & REALTOR® Raoul Rowe goes over the basic fundamentals of the Veteran Land Board Home Loans. Raoul is also the owner and founder of Texas Operation Giveback which is a Veteran Nonprofit dedicated to helping Veterans understand their Texas Home Buying Benefits.

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  • What are the benefits of a Texas Vet or VA Home Loan?

A Texas Veterans Loan or Department of Veteran Affairs Mortgage has several benefits compared to conventional financing. These benefits include:

  • 100% financing: no down payment or monthly mortgage insurance (PMI) payments.
  • Competitive interest rates comparable or lower than conventional programs with 20% down payment requirements.
  • The home buyer/borrower’s closing costs can be paid by the seller, up to 4% of the amount.
  • Flexible credit requirements: Veterans with lower credit scores may qualify for a much lower interest rate than would be obtainable on a conventional program.
  • VA Streamline Refinance (IRRRL) allows you to refinance to a lower rate without having to re-qualify.
  • How do I know if I am eligible for a Texas Vet or VA Mortgage?

VA eligibility is dependent on whether you are on active duty, or have been discharged from the Military. There are different requirements depending on how long and when you served in the Military. For complete details please see the Eligibility page of this website, or contact us for assistance to help determine if you are eligible.

As long as you are otherwise eligible, and are a Veteran living in Texas then you should be eligible for the Texas Veterans program.

  • Veteran Land Board Explained
  • What Qualify?

To qualify, homes must meet the following requirements:

  1. Home must be the veteran’s primary residence in Texas
  2. Home must be a single family attached or detached home, town home or condominium
  3. Duplexes or other multi-family units must have been constructed at least five years prior to the closing date of the loan
  4. New homes must have either ENERGY STAR certification or HERS Index score of 75 or less
  5. The home must remain as the veteran’s primary residence for at least three years, and the Veteran borrower must occupy the home within 60 days after loan closing.

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