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Land & Home Loans

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Land Loans

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Home and Home Improvement Loans

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* 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. 

star Land
In the early days, benefits were given in the form of a grant of land by the state for military service in the Texas Revolution. Following World War II, this tradition was continued with the creation of the Texas Veterans Land Board (VLB) in 1946 to administer a new program which would provide low-interest, long-term loans to Texas veterans for the purchase of land. Learn More

star Home
In 1983, the Legislature created the Veterans Housing Assistance Program to assist Texas veterans in purchasing a home. Texas voters overwhelmingly approved a constitutional amendment authorizing the issuance of bonds to fund the program. Refinancing is not available at this time. Learn More

star Home Improvement
In 1986, the VLB expanded the Veterans Housing Assistance Program, adding the Veterans Home Improvement Program to provide below-market interest rate loans to qualified Texas veterans for home repairs and improvements to their existing homes. Learn More

star Called up? We can help...

Texas Reservists and National Guard troops called to active duty in support of Operation Enduring Freedom or Operation New Dawn have one less thing to worry about if their home or home improvement loan is through the VLB. The VLB will waive interest payments on all VLB  home and home improvement loans for these Texans as long as they are on active duty and eligible for protection under the federal law known as the Servicemembers Civil Relief Act (SCRA).

Under this policy, Reservists and National Guard members only pay the principal portion of their loans and any required escrows for taxes and insurance as long as they're on active duty. There is, also, up to a three-month grace period after participants are deactivated before interest payments resume. Learn more

Today, hundreds of thousands of Texas veterans have taken advantage of these unbeatable benefits.

Best of all, because the loan program is funded by issuing bonds authorized by the voters, they are self-supporting and costs the taxpayers nothing. The bonds are paid for by veterans who participate in the programs. Veterans are a great credit risk so these bonds are rated highly and remain strong.


Links to Additional Resources



VLB Call Service Center
1.800.252.VETS (8387)
VLB Call Service Center