North Laredo
Along Loop 20, I-35 and Del Mar Boulevard
Popular areas: North Laredo, the neighborhoods off Del Mar Boulevard and McPherson Road
Newer homes, shopping and the Laredo VA Clinic nearby. Prices run higher than the rest of the city.
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VA loans in Laredo, TX
Working along the border after the military, retiring home to Laredo, or already a Webb County Veteran? Here’s what a VA loan looks like in Laredo: where Veterans live, the closest VA care, what Webb County taxes really cost, and every benefit that stacks if you have a disability rating.
Check Your Eligibility Book a 15-Minute Call
✓ Soft credit pull only. Applying won’t affect your credit score.
- My team reviews your application as soon as it comes in.
- If you qualify, you get a pre-approval letter and a full itemized estimate.
- If you’re not there yet, you get a clear plan to get ready.
$0Down with full entitlement
$0Property tax on your homestead with a 100% VA rating
$0Funding fee if you receive VA disability pay
No limitVA loan limit with full entitlement. What you can borrow is set by your income, not a cap.
Short answer: Yes, you can buy anywhere in Laredo and Webb County with a VA loan and no down payment. There’s no minimum credit score on a standard VA purchase. In Laredo, the detail that changes your payment most is the property tax rate, which runs higher than many Texas cities, so the disabled Veteran exemption is worth even more here.
Webb County
Where Veterans buy in Laredo
Laredo has grown north and east, with most new construction along Loop 20 and US-59. Many Veterans here work for federal agencies along the border, so commute and shift schedules often drive where they buy.
Northeast and East Laredo
Along Loop 20 and US-59
Popular areas: Northeast Laredo, the San Isidro area, East Laredo
Many newer subdivisions. Check HOA dues and any special district on the tax bill.
Central and South Laredo
Older neighborhoods near downtown
Popular areas: Central Laredo, the Heights, South Laredo
The most affordable homes. Many are older, so plan for the VA appraisal to flag repairs.
Outside the city
Rural Webb County
Popular areas: Rio Bravo, El Cenizo, the US-83 and US-59 corridors
More land and lower prices. Rural homes may be on wells or septic, which the VA appraisal checks.
VA health care
VA hospitals and clinics near Laredo
Laredo Veterans get everyday VA care at the Laredo VA Clinic, part of the VA Texas Valley Coastal Bend Health Care System. The closest VA hospital is in San Antonio.
Laredo VA Clinic
North Bartlett Avenue, Laredo
Outpatient care close to home.
Audie L. Murphy Memorial VA Hospital
San Antonio, about 155 miles north on I-35
The closest full VA hospital, for specialty care and hospital stays.
Locations from VA.gov. Services change, so confirm with the VA before you count on a specific clinic.
Webb County
Property taxes: the number to check on every address
Texas has no state income tax, so local property taxes carry more of the load. Your bill is the sum of the county, city, school district and any special districts for that exact property. In Webb County, homeowners pay about 1.8% of their home’s value in property tax each year on average. A newly purchased home often runs higher, because its value isn’t yet held down by the 10% yearly homestead cap, and two homes a mile apart can differ a lot.
Disabled Veteran exemptions
- 100% disabled, or paid at 100% for individual unemployability: total exemption on your homestead. You pay no property tax on your home.
| VA disability rating | Off your home’s taxable value |
|---|---|
| 10% to 29% | $5,000 |
| 30% to 49% | $7,500 |
| 50% to 69% | $10,000 |
| 70% to 99% | $12,000 |
| 100% or individual unemployability | Full homestead exemption |
What that’s worth in Laredo: on a $225,000 to $275,000 home in Webb County at the county’s average 1.8% effective rate, a 100% rating eliminates about $4,100 to $5,000 a year in property taxes, and often more on a home you just bought.
- Veterans 65 or older with a rating of at least 10% get the $12,000 amount.
- Surviving spouses may keep the exemption.
You apply with the appraisal district once you own and live in the home. How the exemptions work
What this means at closing
- Your estimate uses the full tax rate for the address, before exemptions, until the exemption is on file.
- Escrow starts with two months of taxes and two months of insurance.
- Texas is a community property state. If you’re married, your spouse’s debts are counted when we qualify you, even if your spouse isn’t on the loan.
Average effective rates are median property taxes paid divided by median home value for owner-occupied homes, from the U.S. Census Bureau’s American Community Survey 2020–2024 5-year estimates. They include exemptions current owners already receive.
Moving to Laredo
Buying from another state
- Get pre-approved before you house-hunt. Retirement pay, VA disability pay, Social Security and wages all count. My team can pull your Certificate of Eligibility for you.
- Pick the area, then the home. Tell my team which side of town you work on and we’ll connect you with a Laredo agent who knows VA offers. Military realtor network
- Close remotely if you need to. Texas allows remote closings for most loans, so you can sign before you arrive. How remote closings work
- Move in and file your homestead. A VA loan is for the home you live in, usually within about 60 days. File your Texas homestead and any disabled Veteran exemption once you’re in. Texas also has no state income tax on your retirement pay.
Retiring or separating in Laredo
Retiring in Laredo
Many Laredo Veterans came home after serving, and many still work in federal law enforcement along the border. Home prices below most big Texas cities and a VA clinic in town make it an easy place to settle.
Why Veterans settle in Laredo
- Home prices below the big metros: more home for your budget than Austin, Houston or Dallas.
- No state income tax: your military retirement and Social Security aren’t taxed by Texas.
- Second careers: federal agencies, trade and logistics along I-35 hire a lot of Veterans.
Qualifying after you separate
- Military retirement pay and VA disability pay both count as income. VA disability isn’t taxed, which helps your numbers.
- Starting a civilian job? A signed offer with a start date can be used to qualify. Tell my team your separation and start dates early.
- Your benefit doesn’t expire. If you sold your last VA home and paid off that loan, your full entitlement comes back.
If you have a VA disability rating
The benefits that stack in Laredo
Disabled Veterans can combine federal and Texas benefits that most buyers never hear about. Together they can lower your cash to close, your rate and your yearly taxes.
- No VA funding fee. Veterans who receive or are entitled to VA disability compensation are exempt. If your rating is awarded after closing with an effective date before it, you may be due a refund.
- Disability pay counts as income toward qualifying, alongside any retirement pay or wages.
- A lower Texas Vet rate. Veterans rated 30% or more get a rate discount on the Texas Vet loan. Disabled Veteran mortgage benefits
- Property tax relief. A total homestead exemption at 100% (or individual unemployability), or $5,000 to $12,000 off taxable value for ratings of 10% to 99%. On a $225,000 to $275,000 Laredo home, 100% can mean about $4,100 to $5,000 or more a year. See the tax section
- Adaptive housing grants. Veterans with certain severe service-connected disabilities may qualify for a Specially Adapted Housing or Special Housing Adaptation grant, which can be used with a VA loan to buy, build or modify an accessible home.
Waiting on a claim? Tell my team. Your expected rating can change your funding fee and your taxes, so we plan around it.
Guard, Reserve and surviving spouses
The VA benefit isn’t only for active duty
National Guard and Reserve
You can earn VA loan eligibility through six years of Guard or Reserve service, or through qualifying active-duty time such as a federal activation. Your Certificate of Eligibility confirms it, and my team can pull it for you. Reservists and VA loans in Texas
Surviving spouses
If your spouse died in service or from a service-connected disability, you may be eligible for a VA loan with the same $0 down benefit. Surviving spouses who receive Dependency and Indemnity Compensation (DIC) don’t pay the funding fee, and a Texas disabled Veteran property tax exemption can continue for a surviving spouse who hasn’t remarried. We handle these files with extra care and can walk you through the paperwork.
Already a VA homeowner
Own a home already? You still have options
Kept a home at your last duty station?
You don’t have to sell it to buy in Laredo. Your remaining entitlement can often buy your next home with $0 down while the first one stays a rental. Second VA loan calculator
Lower your rate or tap equity
A VA streamline refinance (IRRRL) can lower the rate on your current VA loan with less paperwork. A VA cash-out refinance lets you use your equity for repairs or debts.
Buying a home with an assumable VA loan
Some Laredo sellers have older VA loans with low rates you may be able to take over. The seller’s loan servicer handles the assumption itself. My team can finance the second loan that covers the gap between the loan balance and the price. VA assumable loans
Hold on to your rate when you move
Moving again later? You can keep your Laredo home as a rental and keep its VA loan and rate in place.
Local know-how
What trips up Laredo buyers
Total tax rate, not just the price
Webb County’s average rate is on the higher side, and some newer subdivisions add special districts. Two homes at the same price can carry very different payments, so we price the exact address.
Flood zones near the creeks
Homes near Zacate Creek, Chacon Creek and other drainage channels can fall in a FEMA flood zone, which requires flood insurance. Check the map before you write an offer.
Builder incentives
New subdivisions keep going up in north and east Laredo. The builder or seller can pay all your normal closing costs, plus up to 4% of the price in concessions, which can pay down your other debts. Seller-paid costs on a VA loan
Heat, cooling and the VA appraisal
Laredo summers are hard on roofs and air conditioners. The VA appraisal checks the roof, heating and major systems, so ask about their age and get a good inspection. VA property requirements
Land and new construction
Want to build in Laredo?
North and east Laredo and rural Webb County have land and lots for Veterans who want a new home. A VA one-time-close construction loan covers the land and the build in one loan: $0 down up to $1 million, with a 620 minimum credit score. In Texas, a Texas Vet loan can also pay off a separate construction loan once the home is finished. It’s treated as a purchase of a never-occupied home, and my team can handle that too.
VA loan or Texas Vet loan
Two Veteran programs, one comparison
The Texas Vet loan from the Texas Veterans Land Board is available to eligible Texas Veterans and can be paired with a VA loan. Its rate is set weekly, and Veterans rated 30% or more disabled get a lower rate. My team prices both and shows them side by side so you can pick on total cost, not a headline rate. Texas Vet vs. VA loan
Laredo VA loan FAQs
Questions from Laredo Veterans
How much do I need down for a VA loan in Laredo?
Nothing, if you have full VA entitlement. There is no VA loan limit with full entitlement and no monthly mortgage insurance. The VA funding fee can be rolled into the loan, and Veterans who receive VA disability compensation are exempt from it.
Can I buy a home in Laredo before I move to Texas?
Yes. You can be pre-approved, shop remotely and close before you arrive, as long as you intend to move in and make the home your primary residence, usually within about 60 days. Retirement pay, VA disability pay and Social Security all count as income.
What credit score do I need for a VA loan in Laredo?
There is no minimum credit score on a standard VA purchase or refinance with my team. We look first at your residual income, the money left each month after your housing payment and bills. VA construction loans start at a 620 score.
Do disabled Veterans pay property taxes in Webb County?
Texas Veterans rated 100% disabled, or paid at the 100% rate for individual unemployability, can get a total exemption on their homestead. Veterans rated 10% to 99% get a partial exemption off the home’s taxable value: $5,000 at 10% to 29%, $7,500 at 30% to 49%, $10,000 at 50% to 69% and $12,000 at 70% to 99%.
Can I use my VA loan in Laredo if I still own another home?
Often, yes. If you keep your current VA home as a rental, your remaining entitlement can usually buy your Laredo home with $0 down up to a certain price. Above that, you put 25% down on the difference. My team checks your exact numbers from your Certificate of Eligibility.
Can a surviving spouse get a VA loan in Laredo?
Yes, if you are an eligible surviving spouse, for example of a service member who died in service or from a service-connected disability. Surviving spouses who receive DIC are exempt from the VA funding fee.
Should I use a VA loan or a Texas Vet loan in Laredo?
Often both. The Texas Vet loan from the Texas Veterans Land Board can be paired with a VA loan, and its rate is set weekly. My team compares your options side by side so you can see which costs less over the time you plan to own.
Is there a VA hospital in Laredo?
Laredo has the Laredo VA Clinic for outpatient care. The closest full VA hospital is the Audie L. Murphy Memorial VA Hospital in San Antonio, about 155 miles north.
Reviews
What Texas Veterans say
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VA construction loan
Shirley and her team were an absolute pleasure to work with. They helped my wife and I obtain a VA Construction Loan which gave us the ability to build our dream home.
Agent referral · VA purchase in Houston
It was great working with Shirley Mueller and team on my buyer’s home purchase in Houston, TX. The VA home loan process isn’t always easy so, it was great to work with someone who specializes in VA loans. Shirley made the process easy. I highly recommend her. Jamie Terry- Priority One Real Estate
Agent referral · VA purchase
Shirley was excellent to work with on our client’s VA home loan. VA loans can be tricky and it is so important to work with a loan officer that knows them well. Shirley did an excellent job!
Switched from another lender
We had a nightmare of an experience with a previous lender but Shirley and Karolina went above and beyond to not only get us into our home, but provide the best customer service possible! They fought hard for us and thanks to them, we are finally living in our dream home. I highly recommend valoanstexas!
VA purchase
Working with the VALoansTx team to purchase our home in Texas was an amazing experience. Shirley, Angie, Ashley, and their team were in constant communication with us, making sure that we knew what to expect with every step of the complicated process. In today’s crazy housing market, it was comforting to know that we had an entire team that was only a phone call away. They were quick to answer calls, emails and always very friendly and personable. We could not have achieved this dream without VALoansTx on our team. We will highly recommend to everyone we know buying a home with a VA loan.
VA purchase
Ms. Shirley and her team are the BEST. Clear communication, specialized VA knowledge, responsiveness, and reduced stress. Thank you all for your help .
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