VLB Home Improvement Loan (Moratorium in Effect)
Up to $50,000 for home improvements through the Veterans Land Board. NOT currently accepting new applications — moratorium effective April 30, 2026.
At a glance
- Benefit type
- Housing & Home Loans — Texas
- Who it's for
- Veterans, Active Duty
- VA rating needed
- No rating requirement
- Estimated value
- Up to $50,000 (program currently paused)
- Where it applies
- Texas
- Last verified
- May 12, 2026
What is VLB Home Improvement Loan (Moratorium in Effect)?
VLB Home Improvement Loan (Moratorium in Effect) is a Texas housing & home loans benefit for veterans, active duty. Up to $50,000 for home improvements through the Veterans Land Board. NOT currently accepting new applications — moratorium effective April 30, 2026. The listed value is Up to $50,000 (program currently paused).
Who qualifies
- Available to any veteran
- Texas residency
What VLB Home Improvement Loan (Moratorium in Effect) covers
Covered improvements
follow HUD FHA Title I guidelines — generally permanent structural alterations, repairs, accessibility upgrades, and major systems (roofing, HVAC, plumbing, electrical). Non-permanent items, certain luxury improvements, and most appliances are typically NOT eligible.
How to apply (when accepting): Apply through the VLB website. Provide contractor estimates and proof of primary residence.
Important to know
Effective April 30, 2026, the Texas Veterans Land Board placed a temporary moratorium on accepting NEW Home Improvement Loan applications while program rules and future direction are evaluated. Existing loans and already-approved applicants are NOT affected. Check glo.texas.gov/veterans/loans-veterans for current status before applying.
Eligibility (when accepting): 18+, bona fide Texas resident at application, qualifying military service, primary residence in Texas (single-family home, condo, or duplex/triplex/4-plex if 5+ years old).
Terms (when accepting): Up to $50,000 for 2-20 year terms, OR $7,500-$10,000 for 2-10 year terms. No down payment required (but ~$10 flood certification fee + ~$125 title search fee at application, plus closing costs). Standard interest rate around 6.35%, with a 0.50% rate discount for veterans with a 30%+ VA service-connected disability rating.
Verified information & sources
Last verified: May 12, 2026
Official source: glo.texas.gov
Compiled and fact-checked against the official source linked above. Benefit rules and dollar amounts change over time — always confirm current details at the official source before applying. A county Veterans Service Officer (VSO) is a free, accredited advocate who can review your eligibility and help you file at no cost.
Frequently asked questions about VLB Home Improvement Loan (Moratorium in Effect)
Who qualifies for VLB Home Improvement Loan (Moratorium in Effect)?▾
How much is VLB Home Improvement Loan (Moratorium in Effect) worth?▾
How do I apply for VLB Home Improvement Loan (Moratorium in Effect)?▾
Where can I verify VLB Home Improvement Loan (Moratorium in Effect)?▾
Other Texas Housing & Home Loans
See every benefit you qualify for in Texas
Get a personalized list of federal, state, and local veteran benefits based on your service history, disability rating, and Texas residency — in under 2 minutes.
Find My Texas Benefits