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Texas Vet & VA Home Loans

Specialized home loans for Texas Veterans

Are Texas Vet Loans Better Than a VA Loan?

As a mortgage lender specializing in loans to military veterans, we’d like to provide some information on the difference between Texas Vet Loans and VA Loans. Both loan programs have been designed to assist veterans with their home financing needs, but each has its own specific benefits and limitations. It’s important to understand the differences between the two in order to make an informed decision about which loan program best meets your needs. Let’s take a closer look at both Texas Vet Loans and VA Loans and their respective benefits.

Texas Vet Loans:

  • Texas veterans may be eligible for a lower interest rate compared to a conventional loan.
  • The fees associated with a Texas Vet Loan may also be lower than those of a conventional loan.
  • Texas Vet Loans can be used to purchase a primary residence or to refinance an existing mortgage.

VA Loans:

  • VA Loans offer eligible veterans the ability to purchase a home with no down payment required.
  • VA Loans do not require private mortgage insurance, which can save veterans a significant amount of money each month.
  • VA Loans offer competitive interest rates and may also have lower fees compared to conventional loans.
  • In addition to purchasing a primary residence, VA Loans can also be used for cash-out refinances and to make energy-efficient improvements to a home.

As you can see, both Texas Vet Loans and VA Loans offer unique benefits that may be beneficial to different veterans. We can work with you to determine which loan option is best for your specific financial situation and goals.

Client Reviews

Hurst Lending IconHurst Lending

4.9 ★★★★★ 48 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

If you are a veteran or a member of the military looking to purchase a home, you may be eligible for the Texas Vet Loan program offered by the Texas Veterans Land Board. This program offers a range of benefits over the national VA home loan program, including lower interest rates, no down payment requirement, and flexible loan options. At Hurst Lending, we are experts in the field of veterans loans and are dedicated to helping you find the best option for your specific needs and financial situation. Our team of experienced loan specialists will guide you through the entire process, from eligibility determination to loan approval and beyond. Don’t miss out on this opportunity to take advantage of the many benefits offered by the Texas Vet Loan program. Contact Hurst Lending today to learn more.

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

Hurst Lending has been a leading provider of home buying and refinancing solutions since 2006. With our signature personalized approach, we offer a comprehensive suite of services designed to overcome the common challenges faced by homebuyers. Whether it's losing out on your dream home in a bidding war, needing to buy before selling, dealing with buyer fallout, or being on a fixed income, our industry-dominating Domination Loans can solve these issues. Furthermore, we offer a full range of loan products, including conventional, VA, FHA, construction and traditional home loans, as well as a suite of financing options for real estate investors. Trust Hurst Lending to guide you through the home buying process with ease and confidence.