Texas Land Loans Exclusively for Texas Veterans

Since Texas was a Republic, it always supported its Veterans in return for their military service.  Long ago, the Republic gave land for military service in the Texas Revolution.  In 1946, this tradition was formally recognized with the creation of the Texas Veterans Land Board (VLB) to administer benefits for Texas Veterans.


The VLB Veterans Land Loan Program is the only one of its kind in the nation, and allows Texas Veterans to borrow up to $150,000 to purchase land with a minimum 5% down payment for 1 acre or more.


The program is easy to use and offers Texas Veterans financing towards the purchase of their own piece of Texas.  To be eligible for VLB financing, the land must:

  1. Be wholly within the state of Texas.
  2. Contain at least 1 acre, excluding any portion beneath a dedicated public roadway or navigable waterway or subject to frequent inundation or otherwise unusable.
  3. Have legal, usable access to a public road.
  4. Not be zoned strictly for commercial use.
  5. Not been owned by the Texas Veteran or spouse within the previous 3 years.


VLB provides financing on tracts up to $150,000 with a minimum 5% down payment and a fixed-rate 30-year loan.  A $325 appraisal and contract service fee is due at the time of application.


Once a Veteran, or successor, successfully paid off a VLB land loan, then another loan application may be completed for another VLB land loan.  All VLB programs are self-funded, using no public taxpayer funding.  VLB programs are financed with bonds, which are serviced by loan payments from Veteran participants.


To be eligible for VLB programs, Veterans, military members, and their spouses must be:

  1. At least 18 years of age.
  2. A bona fide and legal resident of Texas on the date of application and meet one of the following service criteria:
    • An active duty military member.
    • A member of the Texas National Guard.
    • A reserve component military member that completed 20 qualifying years for retirement.
    • A Veteran having served at least 90 active duty days unless discharged sooner due to service connected disability and not dishonorably discharged.
    • A surviving spouse of a Veteran listed as missing in action or whose death was service connected.


All this information came from the Texas VLB website and be sure you visit it for more details:  www.glo.texas.gov/vlb/index.html or call the VLB at 800-252-VETS (8387).



Thank you to Kyle Cornell, REALTOR® of Coldwell Banker D’Ann Harper, REALTORS® who brought us this article. Kyle has lived in Texas and the San Antonio area for many years. He is very familiar with the local community and offers a very flexible schedule to assist clients who are looking for that perfect Texas home.


Kyle Cornell, REALTOR®
Coldwell Banker D’Ann Harper, REALTOR®
18756 Stone Oak Pkwy., Ste 101
San Antonio, TX 78258
(210) 483-7014 office
(210) 870-0747 mobile