Fort Hood · Fort Bliss · Joint Base San Antonio
Yes. You can use a VA loan anywhere in Texas, from Killeen to El Paso to San Antonio. Texas has no state income tax, and Veterans rated 100% disabled pay no property tax on their home. We lend in Texas and help military families buy near every major base in the state.
Good to know
With no income tax, Texas leans on property taxes. Every homeowner gets $140,000 off their home's value for school taxes. A VA disability rating takes off another $5,000 to $12,000, and a 100% rating (or being paid at 100% for unemployability) removes property tax on your home completely.
Many new neighborhoods sit inside a MUD or PID. These are special districts that add their own tax to pay for roads and utilities. They can change your monthly payment, so we check before you make an offer.
It isn't automatic. Apply with your county appraisal district once the home is your main residence. We'll send you a reminder.
Tax rules shown are general and current as of October 2026. Confirm the details with your county or the state before you rely on them.
PCSing to Texas?
Wherever your orders say, we lend there. Here's where families usually look.
Texas questions
No. Texas has no state income tax, so the state doesn't tax your military retirement, VA disability pay or wages.
If the VA rates you 100% disabled, or pays you at the 100% rate for unemployability, your home is fully exempt. Lower ratings get a partial exemption of $5,000 to $12,000 off your home's taxable value. Apply through your county appraisal district.
It depends on the county, city and school district, and it can vary a lot from one neighborhood to the next. We pull the real tax figure for any home you're considering so your payment estimate is accurate.
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One person on our team will confirm you qualify, show you what you can afford and walk you through every step. No cost, no pressure.