Discounts may apply.
NOTE: All VLB interest rates and available discounts are subject to change at any time. VLB Base Rate is subject to adjustment on the first business day of each week. All VLB loans are subject to credit approval.
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.
The VLB can make a Home Loan for most types of homes, but check to make sure. View Home Requirements
A VLB Home Loan may be used to purchase a home that meets these requirements:
Texas veterans must find a lender participating in the Veterans Housing Assistance Program (VHAP), and request a Texas Veterans Home Loan application to start the process. Once the application has been completed, it must be returned to the lender. Find A Lender
The veteran must occupy the home within 60 days after the closing of the loan, and the home must remain the veteran's primary residence for at least three years.
Efficient homes at great rates . . .
To be eligible for VLB Home Loan financing, new-construction homes must meet the federal government standards for energy efficiency in the Energy Star™ program or have a HERS index score of 75 or less. Learn More
The VLB offers an interest rate reduction to qualifying veterans with disabilities. Learn More
Building a house?
While the VLB cannot provide interim construction financing, Texas veterans can work with participating lenders to use a “take-out” loan when the home is complete. Learn More