VA home loans in Texas
VA purchase and refinance loans for Texas veterans and military families, from Fort Hood and Joint Base San Antonio to Fort Bliss and Corpus Christi.
Written by the FLO Mortgage team · Licensed mortgage broker, NMLS #1835856 · Updated October 2026
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At a glance
- 14 military installations statewide
- Full homestead exemption for 100% disabled veterans
- No state income tax
- Residual income region: South
Talk with a licensed loan officer
Texas
Texas has one of the largest veteran populations in the country and no state income tax. Its property tax exemptions for disabled veterans are among the most generous anywhere. FLO Mortgage is licensed in Texas and helps veterans buy and refinance with VA loans.
Texas military communities we serve
| Installation | Branch | Where families often buy |
|---|---|---|
| Fort Hood | Army | Killeen, Harker Heights, Copperas Cove, Belton |
| Joint Base San Antonio | Air Force-led joint base | San Antonio, Schertz, Universal City, Cibolo |
| Fort Bliss | Army | El Paso, Horizon City, Socorro |
| NAS Corpus Christi | Navy | Corpus Christi, Flour Bluff, Portland |
| NAS JRB Fort Worth | Navy (joint reserve) | Fort Worth, White Settlement, Benbrook |
| Dyess Air Force Base | Air Force | Abilene |
| Sheppard Air Force Base | Air Force | Wichita Falls, Burkburnett |
| Goodfellow and Laughlin Air Force Bases | Air Force | San Angelo, Del Rio |
Fort Hood returned to that name in 2025 after being called Fort Cavazos.
Texas property tax benefits for veterans
| Disability rating | Exemption from appraised value |
|---|---|
| 10% to 29% | Up to $5,000 |
| 30% to 49% | Up to $7,500 |
| 50% to 69% | Up to $10,000 |
| 70% to 100% | Up to $12,000 |
| 100% with full compensation, or individually unemployable | Total homestead exemption |
- The partial exemptions (Tax Code 11.22) are claimed on Form 50-135; the total homestead exemption (11.131) on Form 50-114.
- Unremarried surviving spouses can keep the total exemption, and spouses of service members killed in the line of duty can receive a total homestead exemption.
- File with your county appraisal district.
Buying in Texas with a VA loan
- High property tax rates in Texas make the disabled veteran exemptions especially valuable, and they can change your residual income picture a lot.
- The Texas Veterans Land Board offers its own home loan program for eligible Texas veterans through participating lenders. Ask us how it compares with a standard VA loan.
- Coastal areas near Corpus Christi and Houston may need flood and windstorm coverage.
Questions, answered
Is it Fort Hood or Fort Cavazos?
Fort Hood. The post was renamed Fort Cavazos in 2023 and returned to Fort Hood in 2025.
Do 100% disabled veterans pay property taxes in Texas?
Veterans receiving 100% disability compensation who are rated 100% or individually unemployable can receive a total exemption on their homestead.
What is the Texas Veterans Land Board loan?
It is a state program offering home loans to eligible Texas veterans and service members through participating lenders. A loan officer can compare it with a standard VA loan for you.
More VA loan guides
- VA home loans overview
- VA loan questions, answered
- VA loan tools and calculators
- VA home buying roadmap
- VA loans for first-time buyers
- VA loans for active duty
- VA loans for Guard and Reserve
- VA appraisals and property requirements
- VA closing costs and seller concessions
- VA occupancy rules
- VA entitlement and second VA loans
- Assumable VA loans
- VA condos and property types
- VA manual underwriting
- Disabled veteran property tax exemptions
- VA streamline refinance (IRRRL)
- VA cash-out refinance
- VA funding fee exemption
- VA loans for surviving spouses
- VA residual income explained
- VA loans after bankruptcy or foreclosure
Local VA loan help
Talk to a FLO Mortgage loan officer
Every FLO loan officer helps veterans, service members and military families with VA loans. Have a question these guides don't answer? Ask our team.
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property eligibility and program availability. Lender requirements may be stricter than the program guidelines described here. Not all applicants will qualify. Figures reflect 2026 VA guidelines and may change without notice. FLO Mortgage is licensed in Florida, Georgia, Michigan, North Carolina, Tennessee and Texas. Company NMLS #1835856. Equal Housing Opportunity. FLO Mortgage is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency. Licensing & Disclosures.
Local, licensed help
Talk a VA loan through with a FLO loan officer
Every FLO Mortgage loan officer can walk you through this program, run the numbers for your situation and compare it with your other options. Have questions? Call our main office at (386) 882-9980.
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Answer a few quick questions and a local loan officer will follow up with your options.