Eligible Texas Veterans and Military Members can purchase a home with a competitive, low-interest loan with little or no down payment. Veterans, Military Members, and their spouses may receive up to $766,550 on a fixed-rate loan for 15, 20, 25, or 30-year terms*. Veterans with a VA service-connected disability rating of 30% or greater qualify for a discounted interest rate.

Click here for seven easy steps to get started. 

The VLB does not offer to refinance.

To qualify, homes must meet the following requirements:

• The home must be the Veteran or Military Member's primary residence in Texas.
• The home must be a single-family attached or detached home, townhome, or condominium.
• Duplexes or other multi-family units must have been constructed at least five years before the closing date of the loan.
• New homes must have either ENERGY STAR certification, a HERS Index score of 75 or less, or an Energy Rating Index of 75 or less.
• The home must remain the Veteran or Military Member's primary residence for at least three years, and the Veteran or Military Member borrower must occupy the home within 60 days after loan closing.

• For Prospective Homeowners