Red, White, and Home

Adriana Perez
Apr 25
3 min read

The Texas Veteran’s Guide to VA Loans

By: Adriana Perez

How I Help Veterans with VA and Texas Vet Loans

For those who have served our country, the journey to homeownership should be easier, more affordable, and more rewarding.

As a Texas realtor, some of the most meaningful closings are the ones where I help veterans and active-duty military members take full advantage of their VA home loan benefits — while also introducing them to the Texas Vet Loan program, one of the state’s best-kept secrets for homebuyers.

If you’re a veteran, you have more options than you may realize — and I’m here to help you make the most of them.

What Is a VA Loan?

The VA loan is a mortgage option backed by the U.S. Department of Veterans Affairs. It was created to make homeownership accessible to veterans without the heavy financial burdens that often come with traditional loans

Key highlights of a VA loan:

No down payment required in most cases
No Private Mortgage Insurance (PMI)
Competitive interest rates
Easier credit and income requirements
Limits on closing costs, helping you save even more

What About the Texas Veterans Land Board (VLB) Program?

If you’re buying in Texas, you may also qualify for the Texas Veterans Home Loan Program — sometimes called a “Texas Vet Loan.”

This program offers even lower interest rates and exclusive perks when combined with your VA loan benefits.

With a Texas Vet Loan, you could enjoy:

Below-market interest rates
Additional financing support
Flexibility to buy homes, land, or make improvements

This is just one more way Texas says, “Thank you for your service.”

How I Help You Every Step of the Way

Understanding loan programs is one thing — making them work for you is another. That’s where I come in.

I’ll help you get prequalified and map out a clear path forward.
I’ll explain all your options in simple, real-world terms — no confusing jargon.
I’ll guide you through the process from the first call to closing day (and beyond).
I’ll show you strategies like using your VA loan to buy a duplex, triplex, or even a fourplex — allowing you to live in one unit while renting out the others to build wealth.
I’ll help you plan for the future, including how to turn your first VA home into a rental property after just one year.

Top Benefits of Using Your VA Loan

0% Down Payment: Keep your savings intact.
No PMI: Save hundreds each month compared to conventional loans.
Lower Rates: Get competitive interest rates designed specifically for veterans.
More Flexibility: Qualify even if you’ve had credit challenges in the past.
Investment Potential: Use your benefits to start building rental income and generational wealth.