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Loan Programs

The Texas Veterans Land Board provides low-interest loans to Veterans and Military Members in Texas.

Land Loans

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

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Home Loans

In 1983, the Legislature created the VLB Veterans Housing Assistance Program to assist Texas Veterans and Military Members in purchasing a home. Through this program, eligible Texas Veterans and Military Members have an opportunity to purchase a home with an unbeatable, low-interest loan with little or no money down.

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Home Improvement Loans

As part of its commitment to Veterans, the VLB can help a Veteran or Military Member 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 and Military Members for home repairs and improvements to their existing homes.

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SCRA Assistance

Reservists and National Guard troops with a VLB Land, Home or Home Improvement Loan may be able to defer interest payments when called up for active duty, thanks to the Servicemembers Civil Relief Act (SCRA).

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