Debbie Stevenson REALTOR Lic #631706/ JB GOODWIN REALTORS

Central Texas Homes

Thank you for your service to our great nation!  - Debbie

This voucher can be yours! Call Me!

512-468-8210   254-947-7110

I am proud of my military family!
Thank you to my son, daughter and husband - and to all who have served and are serving!


Basic 03/Iraq 08



Boot 2011



Basic 1980


For the most current information about these programs, click

Property Tax Exemption for Veterans
Disabled veterans who meet certain requirements, their surviving spouses and the spouses and minor children of a person who dies on active duty in the U.S. Armed Forces are eligible for property tax exemptions on the appraised value of their property. The exemption is mandatory and applies to taxes levied by all taxing authorities in the state. A veteran, whose service-connected disabilities are rated less than 10% by the Department of Veterans Affairs, or a branch of the Armed Forces, is not entitled to a property tax exemption.

When you are online, click on the following link to see how to apply for the exemption:

Visit the Texas Veterans Commission website for contact information and benefits assistance at

Disabled Veterans Discount
Veterans with disabilities may qualify for an interest rate reduction on their VLB Home or Home Improvement Loans. The veteran must have a compensable service-connected disability of 30 percent (30%) or greater as verified by an Award Letter from the Department of Veterans Affairs (VA). The reduction is a full 50 basis points, or one-half of one percent on the available VLB loan interest rate. If you have any questions about the required documentation, please contact the VLB.


To honor our Texas veterans, the VLB offers a substantial interest rate reduction on Home and Home Improvement Loans to the unmarried surviving spouse of any service member who was killed in the line of duty (service member must have been a legal resident of Texas at the time of death). The reduction is a full 50 basis points, or one-half of one percent on the available VLB loan interest rate.

An unmarried surviving spouse of a veteran who is missing in action, or who died in the line of duty, or died from a service-connected cause and had a compensable service-connected disability rating of 30% or greater (as verified by an Award Letter from the VA) at the time of death and was a legal resident of Texas is eligible for the discount. The surviving spouse must meet all other eligibility requirements for the Home and Home Improvement Loan programs.  





 The VLB Veterans Land Loan Program is the only one of its kind in the country — giving Texas veterans the opportunity to borrow money to purchase land at below-market interest rates while only requiring minimum 5% down payment.

The program is easy to use, and offers Texas veterans an exclusive and unbeatable financing alternative to purchase their own piece of Texas.

The bonds used to fund the program are retired from loan repayments and the cost of administering the program is financed through a small fee charged on each loan.

FAST FACTS: Can be used for the purchase of 1 acre or more; up to $100,000 for a 30-year, fixed-rate loan; Min 5% down payment; certified survey required; $325 appraisal and contract service fee; VLB originates land loans; pay loan service fees online to expedite loan process.

Online information at:


As part of its commitment to veterans, the VLB can help a veteran buy a home, then help pay to improve it through the Texas Veterans Home Improvement Program (VHIP). This program was introduced in 1986 to provide below-market interest rate loans to qualified Texas veterans for home repairs and improvements to their existing homes.


Homes must meet certain building and energy efficiency standards, be located in Texas and be the veteran's primary residence. Texas veterans must find a lender participating in the Veterans Housing Assistance Program (VHAP), and request a Texas Veterans Home Loan application to start the process. Once the application has been completed, it must be returned to the lender.

My family and I have been proud to call Central Texas home since moving here in 1988 with the Army. Since that time, the Heart of the Lone Star State has hosted many of our "firsts": Our first home purchase, the birth of our son, the launch of our quarter horse breeding program, and the purchase of our first property investments, to name a few. Last, but not least, while my background was in foreign languages and economics, I found my first career calling: journalism. That path worked with the mobile lifestyle of being an Army wife. But once that chapter ended and we chose to make Central Texas our home, my focus turned to real estate.

Since April 2001, we have been an "Austin-Fort Hood" couple. The Austin metro and southern Bell County are a wonderful place to live, work and raise a successful family. We know: After graduating from area schools, our daughter is in veterinary medicine and served her country in Iraq with the National Guard; our son is a member of one of the Marine Corps' most elite helicopter units.

Raised in southern Africa and Europe, I have found my home in the great state of Texas. In this wonderful land of opportunity, I'd love to help you lay the foundation for your memorable "firsts" with the purchase of your Texas home.




600-A North Main Street, Salado, TX 76571

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