VLB Home Loan
Competitive rate home loans for Texas veterans through the Veterans Land Board, up to $832,750 (2026 limit).
At a glance
- Benefit type
- Housing & Home Loans — Texas
- Who it's for
- Veterans, Active Duty, National Guard, Reservists, Survivors
- VA rating needed
- No rating requirement
- Estimated value
- Up to $832,750
- Where it applies
- Texas
- Last verified
- May 12, 2026
What is VLB Home Loan?
VLB Home Loan is a Texas housing & home loans benefit for veterans, active duty, national guard, reservists, survivors. Competitive rate home loans for Texas veterans through the Veterans Land Board, up to $832,750 (2026 limit). The listed value is Up to $832,750.
Who qualifies
- Available to any veteran
- Texas residency
Who is eligible
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.
What VLB Home Loan covers
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 for VLB Home Loan
How to apply
Apply through the VLB website or call 1-800-252-VETS.
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 Loan
Who qualifies for VLB Home Loan?▾
How much is VLB Home Loan worth?▾
How do I apply for VLB Home Loan?▾
Where can I verify VLB Home Loan?▾
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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