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 favorable interest rates and terms 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
Effective April 30, 2026, the VLB will place a temporary moratorium on accepting new Home Improvement Loan applications while we evaluate program rules and future direction.
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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 Service Members Civil Relief Act (SCRA).
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