An eligible veteran or service member can often buy a home with no down payment. Acreage adds a few rules. Here is the path, and where the land limits are.
A VA loan is a mortgage from a private lender that the U.S. Department of Veterans Affairs partly guarantees. The lender still checks your credit, income, and debts.
The COE shows you qualify and how much entitlement you have. Request it on VA.gov or ask your lender to pull it.
Ask how many VA loans they close and how they handle appraisals. Ask about the VA funding fee, a one-time fee some veterans do not owe.
We screen properties for VA appraisal issues, including roof, water, well, septic, and how much land the home sits on.
VA contracts carry a required clause: if the VA appraisal is below the price, you are not forced to close or lose earnest money unless you and the seller agree on a fix. Our broker and your lender handle the paperwork.
The lender orders it from VA’s panel. The appraiser checks value and Minimum Property Requirements: safe, sound, sanitary. It is not a home inspection.
Get a full inspection plus termite, well, and septic checks during your option period. Repairs VA requires must be done before closing.
The lender verifies income and assets and the title company clears title. VA limits some fees and caps seller concessions. Get a written estimate.
Plan to occupy the home as your primary residence, generally within about 60 days of closing.
VA guarantees loans on homes. It does not finance raw land by itself, and it does not finance a working ranch.
Texas runs its own land program for veterans who want to buy a tract. Terms, rates, and eligibility change. See the official Veterans Land Board page for current details.
We will help you find property that fits VA rules and walk you through each step. Educational information only, not legal or financial advice. Confirm details with a VA-approved lender.