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Are Texas Vet Loans Better Than a VA Loan?

Client Reviews

Texas Vet (Veterans Land Board) Loans have extremely low interest rates that are generally the same or lower than standard VA loans. That said, a Texas Vet Loan is not always the best choice for every customer. In some situations, a VA loan may be a better option as the closing costs for a VA loan are often lower than Texas Vet Loans.

Non-Texas Vet Land board VA loans often have ZERO closing costs to the borrower with very competitive rates. In some cases, the slightly higher rates of the traditional VA, in combination with paying less out of pocket, can make more sense for the borrower than the Texas Vet Loan. Both options do not require any mortgage insurance – even when financing 100% of your purchase. For recommendations based on your unique situation, one of our Texas Vet Loan experts can guide you through the pro’s and con’s of both options and run side by side comparisons of how each would impact your current circumstances.

Hurst Lending IconHurst Lending

4.9 ★★★★★ 43 reviews

Over $1 Billion in Loans Funded

30 Year Fixed

(30% VA Disabled or More)


(2.73% APR)

*Note: Cannot be used for refinance

30 Year Fixed

(no Disabled)


(3.23% APR)

*Note: Cannot be used for refinance

Why Use Our Services?

Make a Smart Move


The Best Loan Options for Texas Veterans

Texas Vet and VA Loans

VA Loans for New Construction - 0% Down

New Construction or Existing Homes



We Specialize in Providing Loans to Veterans


We are recognized as one of the fastest growing Aggie owned companies in Texas. Hurst Lending and our agsreward.com division are one of the 100 growing companies on Texas A&M Aggie 100 list.


View all our positive customer reviews.

Quick Decisions, Quick Closing

No unnecessary red tape, no contingencies.
"Football's hard.
Getting a Texas Vet Loan doesn't have to be."


Dat Nguyen, Hurst Lending Investor
Former Pro Football Player & Coach


Call 1-877-405-3465

Save with Vet Loan in Texas

Veteran Home Loan Options

Choosing the Right Loan – Texas Vet Loan, VA Construction, or VA loan

Whether you are living in Texas now, or you’re active duty military and being transferred to one of the many bases in Texas, you should explore the Texas Vet Loan program offered by the Texas Veterans Land Board. This program is available to you as an alternative to the national VA home loan program. The veterans loan experts at Hurst Lending can help you select the best type of vet loan for your situation.

Texas Vet Loan

Whether you want to buy a home, build a new home, or refinance an existing home loan, we can help. You want to make the best use of your veteran’s benefits, and we have the experience to help you understand the available programs and make the best choice for your situation. While all United States servicemembers, veterans, and eligible surviving spouses have access to VA loans guaranteed by the VA, Texas Veterans have the additional option to purchase a home with a low-interest loan with little or no money down through the Texas Vet Loan Program set up by the Texas Veterans Land Board (VLB) Housing Assistance Program. We would be happy to help you evaluate your options and determine the best veteran loan solution for you.

VA Construction Loans (0% Down Payment)

We are thrilled to be among the few lenders to offer a VA One-Time Close Construction Loan that allows qualifying veterans to wrap lot purchase and construction into a single permanent mortgage loan under the VA loan program. This program allows our veterans in Texas and throughout the United States the opportunity to build their dream home while taking advantage of all the great financial benefits of the VA home loan program. With our VA Construction loan you can finance up to 100% of the land purchase and construction costs.

VA Home Loan

The VA loan program was established by the U.S. government, not by the state of Texas. These loans are guaranteed by the U.S. Department of Veterans Affairs (VA), and they have slightly different requirements and terms than Texas Vet Loans. These loans are attractive because they offer a competitive interest rate with no down payment. Like Texas vet loans, VA loans may only be issued by qualified lenders.

Texas Vet Loans Offer Many Ways to Get a Mortgage


Use your VA benefits to build a new home with a VA loan with NO down payment.


If you don't have money or credit history to build now, consider buying your land now, then building later.


Buy Before you Sell and only make one house payment while you current home sells.


If you don't choose to build, a VA Loan is still an attractive option for a no down-payment loan.

Not Just Lenders - Problem Solvers!

Great Rates

Lots of mortgage lenders can offer a good rate on a conventional loan. We can too – in fact, our rates are some of the best around.

Unique Solutions

The difference? Hurst Lending finds ways to make the deal work when your mortgage needs are outside the “conventional loan” box.

About Hurst Lending

We have been helping our customers buy, sell, and refinance their homes since 2006. Our personalized approach to the home buying process includes a suite of services that solve common hurdles in the home buying process. Have you ever experienced the frustration of Losing your dream home in a bidding war; Trying to buy before you sell; Had your buyer fallout; or Being on a fixed income and needing your equity to purchase a new home? Our Industry-leading suite of Domination Loans solves these issues. We also offer a suite of real estate investor loan products and a full suite of conventional, VA, FHA, construction and traditional home loans.