VLB Home Loan
Competitive rate home loans for Texas veterans through the Veterans Land Board, up to $832,750 (2026 limit).
Who qualifies
- Available to any veteran
- Texas residency
Details
Eligibility
18+, bona fide Texas resident at application, qualifying military service (90+ days active duty unless discharged for service-connected disability) with honorable, general, or medical discharge. Surviving spouses of MIA/KIA service members also qualify.
Terms
Maximum loan amount $832,750 (2026, tied to conforming loan limits — recently increased from $806,500). Available as fixed-rate 15-, 20-, 25-, or 30-year terms. Property must be the veteran/military member's primary residence in Texas. Eligible property types: single-family homes, townhomes, and condominiums (new or existing construction).
Key benefit
VLB home loans are commonly stacked with the federal VA loan via a "two-note loan" structure (VA-guaranteed first note, with VLB as the program note) to achieve zero down payment and no PMI plus the VLB's competitive rate.
How to apply
Apply through the VLB website or call 1-800-252-VETS.
Always confirm current rates and rules with the Texas state agency before applying.
Other Texas Housing & Home Loans
VLB Land Loan
Up to $200,000 for land purchase through the Texas Veterans Land Board with 5% down payment and 30-year fixed rate.
Up to $200,000
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.
Up to $50,000 (program currently paused)
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