How To Get A Va Loan Without Property Taxes In Texas

How Does the Texas Property Tax Exemption Work?

The State of Texas provides property tax exemptions to disabled veterans based on their disability rating from the U.S. Department of Veterans Affairs (VA):

• 100% disability rating: Complete exemption from all property taxes on the veteran’s primary residence.
• 70% to 99% disability rating: $12,000 property tax exemption.
• 50% to 69% disability rating: $10,000 property tax exemption.
• 30% to 49% disability rating: $7,500 property tax exemption.
• 10% to 29% disability rating: $5,000 property tax exemption.

If you are 100% disabled, this means you will never have to pay property taxes on your homestead. This can save veterans thousands of dollars per year in housing costs.

How to Apply for the Property Tax Exemption

To qualify, follow these steps:

1. Obtain your VA disability rating letter from the Department of Veterans Affairs.
2. Complete the Texas Homestead Exemption Form (Form 50-114).
3. Submit the form and VA disability proof to your county’s appraisal district.
4. Once approved, your property tax exemption will take effect for all future years.

Understanding the Texas VA Loan Property Tax Exemption

Texas offers a full property tax exemption for veterans with a 100% service-connected disability rating from the U.S. Department of Veterans Affairs (VA). This means that eligible veterans do not have to pay any property taxes on their primary residence, reducing overall housing costs significantly.

Who Qualifies for the 100% Property Tax Exemption?

To be eligible for this exemption in Texas, you must:

• Be honorably discharged from the U.S. military.

• Have a 100% service-connected disability rating from the VA.

• Own and occupy the home as your primary residence.

• Apply for the exemption through your county appraisal district.

What Can You Do with the Extra Savings?

With no property taxes, disabled veterans in Texas save thousands of dollars per year. This money can be used to:

✔ Lower your monthly payment – Enjoy a more affordable lifestyle with reduced housing costs.
✔ Pay off your mortgage faster – Apply the savings to your principal to own your home sooner.
✔ Invest for your future – Contribute to a retirement fund or build financial security.
✔ Eliminate debt – Use the extra cash to pay off credit cards, student loans, or medical bills.

How LTI Mortgage Makes VA Home Loans Even More Affordable

At LTI Mortgage, we specialize in helping veterans save the most money possible on their home loans. Our exclusive Hybrid Agent Program offers an unbeatable deal:

✅ We give up to HALF of our real estate commission back to veterans to buy down their interest rate even lower.
✅ We cover closing costs, allowing veterans to come to the table with no money out of pocket.
✅ We offer interest rates lower than the competition, ensuring you pay less over the life of the loan.
✅ We make the process EASY – we handle everything. The only thing the veteran needs to do is find their dream home.

Additionally, at LTI Mortgage, we allow veterans to qualify for the loan with the reduced payment from the tax exemption. Some mortgage companies require veterans to qualify for the loan without considering the exemption, meaning they need a higher income to meet debt ratio requirements. By allowing you to qualify without property taxes, we make it possible to afford a better home—potentially the difference between settling for what you can afford and securing your dream home.

By following the step-by-step process outlined in this guide and avoiding common mistakes, you can ensure you maximize your VA loan benefits and enjoy homeownership without the burden of property taxes.

Why Shop and Compare? We Encourage It!

Many lenders offer VA loans, but not all loans are the same. We encourage veterans to shop and compare, because we love showing them how much we can save them. Our unbeatable rates and real estate commission rebate mean that veterans save more with LTI Mortgage than anywhere else.

Take the First Step Toward Homeownership

With no property taxes, lower monthly payments, and no out-of-pocket costs, now is the perfect time for Texas veterans to buy a home.

🚀 Start today! Contact LTI Mortgage for a free consultation. See how much you can save with our exclusive Hybrid Agent Program.

📢 Read what veterans say about us! Check out our reviews on our Google My Business Page!

Step-by-Step Guide: How to Apply for the Texas VA Loan Property Tax Exemption

Step 1: Obtain Your VA Disability Rating Letter

Before applying for the tax exemption, you must first have proof of your 100% service-connected disability rating from the VA. This letter is typically available through your VA eBenefits account or can be requested directly from the VA.

Step 2: Gather the Required Documents

You will need to submit several documents when applying for the exemption, including:

• VA Disability Rating Letter (showing your 100% disability rating)

• Texas Driver’s License or ID (to prove Texas residency)

• Property Deed or Mortgage Statement (to confirm homeownership)

• Completed Homestead Exemption Application (available from your county appraisal district)

Step 3: Submit Your Application to the County Appraisal District

Each county in Texas has its own appraisal district that processes property tax exemptions. You must submit your application to the county where your home is located.

Find your local appraisal district’s website by searching: “[Your County] Appraisal District VA Tax Exemption”.

Step 4: Wait for Approval

The appraisal district will review your application and notify you of approval. Once granted, your property will be exempt from property taxes moving forward as long as it remains your primary residence.

Step 5: Verify Exemption on Your Tax Statement

After receiving approval, double-check your annual property tax statement to confirm the exemption has been applied. If there are any discrepancies, contact the appraisal district immediately.