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Texas Veteran Properties Allowed

The following table provides a comprehensive overview of the various types of properties allowed by the VA (Department of Veterans Affairs) for financing. Each property type is defined to help Texas Veterans understand their options when purchasing a home using VA benefits. From single-family homes to mixed-use properties, this table outlines the diverse range of housing opportunities available to Texas Veterans. Whether you’re interested in traditional single-family dwellings or unique living concepts like barndominiums, this guide aims to assist Texas Veterans in making informed decisions about their housing choices.
Property Type Definition
Single-family homes Detached residential dwellings designed for one family. Ideal for Texas Veterans looking to purchase a single-family home.
Multi-family properties (up to four units) Residential properties with two to four separate housing units. Great investment opportunity for Texas Veterans interested in multi-family properties.
Condominiums Individual units within a larger complex, each owned by separate individuals. Common areas are jointly owned. Suitable for Texas Veterans seeking the convenience of condominium living.
Townhomes Narrow, multi-story homes with shared walls between units. Each unit typically has its own entrance. Perfect for Texas Veterans desiring the space and privacy of a townhome.
Modular homes Prefabricated homes constructed in sections and assembled on-site. They are built to the same local building codes as traditional homes. A cost-effective housing option for Texas Veterans considering modular homes.
Manufactured homes Factory-built homes constructed on a steel chassis and transported to a site. They must be on a permanent foundation. Must be classified as Real Property. Affordable housing solution for Texas Veterans interested in manufactured homes. 
Barndominiums Combination of a barn and a condominium, typically featuring a living area within a barn-like structure. Unique living concept for Texas Veterans seeking a rustic yet modern lifestyle.
Acreage Land consisting of one or more acres, suitable for residential development or agricultural purposes. Opportunity for Texas Veterans to own spacious acreage for various purposes.
Cooperative units Multi-unit buildings where residents own shares in the cooperative corporation, rather than owning individual units. Cozy living arrangement for Texas Veterans interested in cooperative units.
VA-approved new construction projects Newly constructed residential projects approved by the VA for financing. Exciting opportunity for Texas Veterans to invest in VA-approved new construction projects.
Mixed-use properties (part residential, part commercial) Properties that combine residential and commercial spaces, such as apartments above retail stores. Versatile properties for Texas Veterans seeking mixed-use living options.

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CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loan in Texas. NMLS License #3029 | MB.803095 | NMLS Consumer Access | CFPB

Shirley Mueller

Sr. VP of Veteran Lending Specializing in Texas Vet & VA Loans NMLS ID: 336103

6601 Vaught Ranch Rd, Suite 101 I, Austin, TX 78730

888-788-4977

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**The advertised rates and points listed are subject to change at any time without prior notice and may not be available to all borrowers. These rates are predicated on specific assumptions and lending scenarios. The actual rate available to you can vary depending on your personal details, such as your credit score, the amount of the loan, your down payment, and our internal lending criteria. The rates provided are for a fixed rate mortgage, but they will differ depending on the loan term and property location. Additional rates, points, and loan terms might be available. Approval of all loans is contingent on credit and property evaluations. Property insurance is mandatory, and flood insurance might also be necessary.

Interest rates for the Texas Vet program are set weekly by the Texas Veterans Land Board and are subject to change based on when you lock your interest rate. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Click HERE for an example.

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact  CrossCountry Mortgage for current rates and for more information.

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