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Texas Veteran Land Board Houston

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


Texas Veteran Loan Board Program Houston Requirements

  • Must be the veteran’s primary residence
  • Must be located in Texas
  • Must be a single family attached or detached home, town home, condominium or planned unit development.
  • Duplexes or other multi-family units must have been constructed at least five years prior to the closing date of the loan.
  • Manufactured / modular homes may be eligible.
  • All new construction homes must meet the Environmental Protection Agency's (EPA) guidelines for ENERGY STAR® qualified homes, and must be ENERGY STAR® labeled and certified.

Texas Veteran Land Board Loan Discounts Houston


Disabled Veteran Discount
Veterans with disabilities may qualify for an interest rate reduction on their VLB Home or Home Improvement Loans. The veteran must have a compensable service-connected disability of 30 percent (30%) or greater as verified by an Award Letter from the Department of Veterans Affairs (VA). The reduction is a full 50 basis points, or one-half of one percent on the available VLB loan interest rate. If you have any questions about the required documentation, please contact the VLB.
Of course, the veteran must also meet all other eligibility requirements for these loans to qualify for the discount.


Surviving Spouse Discount
To honor our Texas veterans, the VLB offers a substantial interest rate reduction on Home and Home Improvement Loans to the surviving spouse of any service member killed in the line of duty. The reduction is a full 50 basis points, or one-half of one percent on the available VLB loan interest rate.


An unmarried surviving spouse of a veteran who is missing in action, or who died in the line of duty, or died from a service-connected cause and had a compensable service-connected disability rating of 30% or greater (as verified by an Award Letter from the VA) at the time of death is also eligible for the discount.


This reduction can result in a savings of tens of thousands of dollars for qualifying applicants. The surviving spouse must meet all other eligibility requirements for the Home and Home Improvement Loan programs.