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.
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Apply directly through the official Texas agency.
About this benefit
IMPORTANT MORATORIUM
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.
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.
Verified against official source
Last checked 2026-04-30 against www.glo.texas.gov. Always confirm current rates and rules with the Texas state agency before applying.
Other Texas Housing & Home Loans
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