Discounted fixed rates for Texas veterans through the Veterans Land Board. Extra rate reductions for veterans with a 30%+ disability rating. See what you qualify for in 60 seconds.
$0 Down PaymentVA and Texas Vet loans require no down payment for eligible veterans.
Discounted RatesTexas Vet (VLB) rates are set weekly and often beat standard VA rates.
Disabled-Veteran Discount30%+ service-connected disability unlocks an additional rate reduction and a waived funding fee.
Up to $832,750Buy a primary residence on a fixed 15/20/25/30-year term.
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The Texas Veterans Land Board (VLB) is the only program of its kind in the nation — giving Texas veterans and military members access to below-market, fixed-rate financing on a primary residence, with no down payment when paired with a VA loan. Veterans with a 30% or greater service-connected disability rating qualify for an additional rate discount and a waived funding fee.
We help veterans in every major Texas market — Houston, San Antonio, Dallas–Fort Worth, Austin, El Paso, Killeen, and beyond — find out what they qualify for and connect with a licensed loan officer who specializes in veteran lending. Start with the 60-second eligibility check above.
The Texas Veterans Land Board offers below-market, fixed-rate home, land, and home-improvement loans to qualifying Texas veterans and military members. It can be combined with a VA loan for $0 down.
Do disabled veterans get a better rate?
Yes. Veterans with a VA service-connected disability rating of 30% or greater qualify for an additional discounted interest rate, and the VA funding fee is waived.
How much can I borrow?
Eligible veterans can finance up to $832,750 on a fixed 15, 20, 25, or 30-year term for a primary residence.
Can I use my VA benefit and the Texas Vet program together?
Yes — many Texas veterans pair the VLB program with their federal VA loan benefit to get the best rate with no down payment.
Ready to see what you qualify for?
Free, no-obligation. See what you qualify for in about a minute.