VA Home Loan Guide for Veterans in Marble Falls, Texas
Marble Falls, TX—known for its scenic lakeside charm and small-town community—is a natural fit for veterans seeking a relaxed yet supportive place to call home. With easy access to Austin and local VA facilities nearby, it allows you to enjoy Hill Country living and still tap into VA benefits with ease.
Veterans can take advantage of $0 down VA financing, no PMI, and flexible credit terms in this slower-paced, friendly market. Local lenders understand VA loans and many neighborhoods cater to military families and retirees.
This guide highlights 2025 home prices, VA loan limits, frequently asked questions, top neighborhoods, and veteran-focused resources designed for Marble Falls homebuyers.
In this Article
Marble Falls Housing Market Outlook for 2025
In May 2025, the median listing price in Marble Falls was around $529,000 :contentReference[oaicite:1]{index=1}, and median sold home prices hovered near $435,000—a strong monthly jump but mixed year-over-year trends :contentReference[oaicite:2]{index=2}. Zillow’s average home value is close to $425,000 :contentReference[oaicite:3]{index=3}.
The cost of living sits roughly at the national average (–7% below US, +3% above Texas) :contentReference[oaicite:4]{index=4}. Population is approximately 7,300, and median household income is around $55,500 :contentReference[oaicite:5]{index=5}.
Marble Falls vs Nearby Hill Country Cities
| City | Median Home Price | Cost of Living | Population |
|---|---|---|---|
| Marble Falls | $435,000 | ≈100 (US avg) | ~7,300 |
| Horseshoe Bay | $670,000 (zip) | — | ~4,200 |
| Georgetown | $460,000 | ~108 | ~101,000 |
| Burnet | $445,000 | — | ~6,500 |
| Kerrville | $345,000 | — | ~25,000 |
VA Loan Limits for Marble Falls – 2025
Burnet County is a standard-cost VA zone. In 2025, the VA loan limit is $806,500. A Veteran with full entitlement can finance homes up to this amount without a down payment.
Benefits of VA Loans in Marble Falls
- No Down Payment: Many homes fall well within VA limits.
- No PMI: VA loans exclude private mortgage insurance—saving you money each month.
- Competitive Rates: Often lower than conventional lending rates.
- Flexible Credit: Acceptable scores start as low as 580.
- No Prepayment Penalties: Pay off early without extra fees.
VA Loan Requirements
VA loan requirements are designed to ensure that eligible veterans and service members can secure affordable, safe housing. Meeting these requirements involves fulfilling specific credit, income, property, and appraisal criteria tailored to protect both borrowers and lenders.
Service Requirements
To qualify for a VA loan, you must meet specific service requirements. These vary depending on your status:
Veterans:
- At least 90 consecutive days of active service during wartime.
- At least 181 days of active service during peacetime.
- Honorable discharge or discharge under honorable conditions is required.
Active-Duty Service Members:
- Currently serving with 90 days of continuous active duty.
National Guard and Reserves:
- At least six years of service or 90 days of active service under Title 10 or Title 32 orders.
Surviving Spouses:
- Unmarried spouses of service members who died in the line of duty or from a service-related disability.
- Some remarried spouses are eligible if the remarriage occurred after the age of 57.
Credit and Income
- To qualify for a VA loan, you must meet the lender’s credit and income standards.
- The VA generally prefers a debt-to-income (DTI) ratio of 41% or less.
- Exceptions may apply if your residual income exceeds VA requirements by 20% or if you have tax-free income.
Property Requirements
- The home must be your primary residence and should be a standard single-family property.
- Unique properties may not meet VA appraisal standards, as the VA prioritizes safe, secure housing.
Inspection and Appraisal
- A home inspection is recommended to check for major defects.
- A VA-approved appraiser will confirm the home meets the VA’s Minimum Property Requirements (MPRs) for safety and structural soundness.
Who Qualifies for a VA Loan?
VA loans are a unique benefit offered to eligible veterans, active-duty service members, and certain other groups. The Department of Veterans Affairs has specific requirements based on time served, type of service, and discharge status. Here’s what you need to know about qualifying:
Service Requirements:
- At least 90 consecutive days of active duty during wartime.
- At least 181 days of active duty during peacetime.
- Six years in the National Guard or Reserves, or 90 days under Title 32 orders (with a minimum of 30 consecutive days served).
Veterans: Must have completed the required time in active duty and received a discharge other than dishonorable.
Active-Duty Service Members: Currently serving and have met the necessary active-duty requirements.
National Guard and Reserves: Those who have completed six years of service or served 90 days of active duty during wartime.
Surviving Spouses: Eligible if they are the spouse of a service member who died in the line of duty or from a service-related injury. Some remarried spouses may qualify if remarriage occurred after age 57.
VA Loan Eligibility Calculator
Comparison of VA Loans vs. Conventional Loans
| Feature | VA Loans | Conventional Loans |
|---|---|---|
| Down Payment | No down required | 5–20% |
| PMI | Not required | Required if <20% down |
| Interest Rates | Typically lower | Credit-dependent |
| Min Credit Score | None (620+ preferred) | 620+ |
| Funding Fee | 2.3–3.6% | None |
| Prepayment Penalty | None | May apply |
Top Veteran-Friendly Neighborhoods in Marble Falls
Briarcliff
- Description: Upscale lakeside community with golf, marina, and exercise trails.
- Benefits for Veterans: Scenic, resort-style living with VA refinance opportunities.
- Median Home Price: ~$524,000 (Zillow)
Mayfield Ranch
- Description: Newer Hill Country development offering family-friendly amenities.
- Benefits for Veterans: VA lender relationships and community events.
- Median Home Price: ~$510,000 (Zillow)
Brushy Bend Park
- Description: Private, wooded enclave with upscale homes and privacy.
- Median Home Price: ~$857,500 (Zillow)
- Benefits for Veterans: Ideal for retirees seeking luxury and quiet.
Vista Oaks / North Lake
- Description: Lake-adjacent homes offering access to water activities.
- Benefits for Veterans: Outdoor lifestyle, walkable trails, healthy living.
- Median Home Price: $506K–$656K
Parkside at Mayfield Ranch
- Description: Master-planned with parks, greenery, and nearby schools.
- Benefits for Veterans: Newer home options and VA-compatible builders.
- Median Home Price: ~$604,000
Historic Downtown Area
- Description: Charming cottages and historic homes near local shops.
- Benefits for Veterans: Walkable, community-oriented, potential renovation loans.
- Median Home Price: $300K–$400K
Meadowlakes
- Description: Gated community with golf course and leisurely amenities.
- Benefits for Veterans: Safe, tranquil environment with trust in VA lenders.
- Median Home Price: ~$520,000
Local Veteran Housing & Career Resources
- Texas Veterans Land Board (TVLB): Low-rate VA land and home loans statewide.
TVLB Website | (800) 252‑8387 - Burnet County Veterans Services Office: Help with VA claims and benefits for local veterans.
Burnet County VSO | (512) 715‑5229 - Marble Falls Housing Authority: Programs and assistance for residents, including veterans.
Marble Falls Housing | (830) 693‑3615 - Texas Veterans Commission (TVC): Job placement and veteran career services.
TVC Website | (512) 463‑6564 - Workforce Solutions – Highland Lakes: Veteran job training and employment support.
Workforce Solutions | (512) 409‑2600
Explore Nearby VA Loan Guides
- Georgetown, TX
- Burnet, TX
- Horseshoe Bay, TX
- Austin, TX
- Cedar Park, TX
- San Marcos, TX
- Dripping Springs, TX
- Waco, TX
Frequently Asked Questions: VA Loans in Marble Falls
What is the VA loan limit in Marble Falls for 2025?
- The loan limit is $806,500 in Burnet County, which includes Marble Falls.
Can I buy a lakefront or historic home?
- Yes—as long as the property meets VA appraisal standards.
Are new-construction homes allowed?
- Yes—VA loans cover new builds with VA-approved builders.
Is there a minimum credit score?
- No official VA minimum; most lenders prefer 580+.
Can I reuse my VA entitlement?
- Yes, if entitlement remains unused or has been restored.
Can I include a non‑Veteran co‑borrower?
- Yes—but the non-Veteran may need to add a down payment.
What is the VA funding fee?
- One-time fee (2.3–3.6%), which can be financed or waived for those with service-connected disabilities.
How long does a VA loan take to close?
- Typically 30–45 days with knowledgeable lenders.
Are there closing cost grants?
- Some state or local programs may help with down payment or closing costs.
Can I use BAH as income?
- Yes—basic allowance for housing is acceptable qualifying income.
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