Texas Veterans Land Board: Complete Guide to Benefits and Services

Texas Veterans Land Board: Complete Guide to Benefits and Services

The Texas Veterans Land Board (VLB) is a state agency that provides the most robust state benefits package in the nation for Texas Veterans, Military Members, and their families . It offers unique land loans (with only 5% down), housing assistance loans, home improvement loans, long-term care facilities, and state veterans cemeteries . To get started, call the VLB Call Center at 1-800-252-8387 or visit the Texas General Land Office website .

Quick Facts

What Is the Texas Veterans Land Board?

The Texas Veterans Land Board (VLB) is a state agency created in 1946 with the passage of the Veterans Land Act . Its mission is “to ensure the Veterans of Texas can access land loans, home loans, skilled nursing care, and the cemetery services they are eligible for in recognition of their honorable service to our country” .

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The VLB is composed of the Governor, the Attorney General, and the Commissioner of the General Land Office . Today, the VLB provides what it describes as “the most robust state benefits package in the nation for Texas Veterans, Military Members, and their families” .

History of Support

The VLB’s roots go back to 1836, when the General Land Office honored Veterans of the Texas Revolution with land grants . In 1946, the Texas Legislature formalized this commitment through the Veterans Land Act, authorizing $25 million in bonds to fund land purchases for WWII Veterans . The program expanded to include Korean War Veterans two years later .

In 1956, the Board was restructured to include the Texas Land Commissioner and two gubernatorial appointees—one with expertise in Veterans Affairs and one in finance .

Land Loan Program

The VLB Veterans Land Loan Program is the only one of its kind in the nation, offering Texas Veterans and Military Members the opportunity to borrow money to purchase land at favorable interest rates and terms .

Key Features

Eligibility Requirements

To qualify for VLB land loans, you must meet the definition of “veteran” under Texas law, which requires:

1. Service Requirements (one of the following) : Served at least 90 days on active duty after September 16, 1940 (unless discharged earlier for service-connected disability) ; OR has at least 20 years of active or reserve military service ; OR enlisted in the Texas National Guard and completed initial active duty training .

2. Texas Residency: Must have been a bona fide resident of Texas at the time of enlistment or have resided in Texas for at least one year immediately before applying ; AND must be a bona fide resident of Texas at the time of application .

3. Discharge Status: Must not have been dishonorably discharged . Discharge types that qualify include honorable, general, or medical .

Dual-Spouse Land Loan Benefit

Two Veterans who are spouses and each individually eligible may apply together to purchase the same tract of land . They can borrow up to $275,000 with a minimum 5% down payment .

Land Sales

The VLB makes tracts of land available for Texas Veterans and Military Members to bid on in quarterly land sales held every January, April, July, and October . Texas Veterans and Military Members may use the VLB Land Loan to purchase these tracts or other non-commercial properties in Texas that are one acre or more . Land not sold during these quarterly land sales is made available for public purchase .

Housing Assistance Program

In 1983, the Legislature created the VLB Veterans Housing Assistance Program to assist Texas Veterans and Military Members in purchasing a home .

Key Features:

• Low-interest loans with little or no money down 

• Loans are available for up to $832,750 

• Eligible Texas Veterans and Military Members have an opportunity to purchase a home with an unbeatable, low-interest loan 

Home Improvement Program

Introduced in 1986, the Texas Veterans Home Improvement Program (VHIP) provides below-market interest rate loans to qualified Texas Veterans and Military Members for home repairs and improvements to their existing homes .

Key Features:

• Up to $50,000 with 20-year terms 

• Up to $10,000 with 10-year terms 

• Below-market interest rates 

• Can help a Veteran buy a home and then help pay to improve it 

Long-Term Care Facilities

The VLB operates 10 long-term care facilities throughout Texas for qualified Veterans, their spouses, and Gold Star parents . Veterans with a 70% or higher service-connected disability can generally live at a home for free .

Locations

State Veterans Cemeteries

Texas State Veterans Cemeteries are built through a partnership between the state of Texas and the U.S. Department of Veterans Affairs (VA) and are managed by the VLB . Qualified Veterans, spouses, and dependent children are provided dignified burial services at no charge .

Cemetery Locations

Recent Program Updates (2025-2026)

Record Land Loan Activity

The VLB Land Loans team closed a record-breaking month in July 2025, with 87 land loans valued at $9,504,600 . This was the highest amount in fiscal year 2025 .

Community Outreach

The VLB continues to expand its outreach efforts:

• 10th Year at the State Fair of Texas: The VLB had a daily presence at the State Fair in 2025, helping educate the public about benefits .

• Houston Rodeo 2026: The VLB will have a resource table at the 2026 Houston Livestock Show and Rodeo .

Proposed Rule Amendments (2025)

In May 2025, the VLB proposed amendments to its rules, including :

• Clarifying that a veteran can hold only one loan originated for that veteran

• Updating discharge status requirements to include honorable, general, or medical discharges

• Adding a fee for credit report costs for loan processing

• Updating definitions to align with federal statutes

How to Apply for VLB Benefits

Step 1: Check Your Eligibility

Review the eligibility requirements or call the VLB Call Center at 1-800-252-8387 .

Step 2: Gather Documentation

Prepare to provide:

• Proof of military service (DD-214 or equivalent)

• Proof of Texas residency

• Discharge documentation

• Financial information

Step 3: Contact the VLB

• Call: 1-800-252-8387 (Monday-Friday) 

• Zoom@Noon: Weekly 30-minute information sessions 

• In Person: Visit VLB representatives at outreach events

• Online: Visit the Texas General Land Office website

Step 4: Apply for Specific Programs

• Land Loans: Apply through the VLB land loan program

• Home Loans: Apply through the VLB Veterans Housing Assistance Program

• Home Improvement: Apply through VHIP

• Long-Term Care: Contact individual facilities

• Cemeteries: Contact the VLB for eligibility and burial arrangements

Common Questions

What is the Texas Veterans Land Board?

The Texas Veterans Land Board is a state agency that provides land loans, housing assistance, home improvement loans, long-term care facilities, and cemetery services to Texas Veterans, Military Members, and their families .

Who qualifies for VLB benefits?

Eligibility generally requires at least 90 days of active duty service (or 20 years of service), Texas residency at enlistment or one year prior to application, and an honorable or general discharge . Surviving spouses of veterans who meet these criteria may also qualify .

What is the VLB land loan interest rate?

The interest rate is subject to change. As of late 2025, the land loan rate was 7.25% . All VLB interest rates and available discounts are subject to change at any time and all loans are subject to credit approval .

Can two veterans apply together for a land loan?

Yes. The Dual Spouse Land Loan Benefit allows two veterans who are spouses to apply together, with a maximum loan of $275,000 and a minimum 5% down payment .

How do I contact the Texas Veterans Land Board?

Call the VLB Call Center at 1-800-252-8387 (Monday-Friday) . You can also attend weekly Zoom@Noon sessions or visit VLB representatives at outreach events .

What is the maximum VLB land loan amount?

Individual land loans are available for up to $200,000 . Dual-spouse loans are available for up to $275,000 .

What is the Texas Veterans Home Improvement Program?

VHIP provides below-market interest rate loans for home repairs and improvements . Loans are available for up to $50,000 (20-year term) or $10,000 (10-year term) .

When is the next VLB land sale?

Quarterly land sales are held every January, April, July, and October . Properties are listed online approximately six weeks prior to the bidding deadline .

What long-term care facilities does the VLB operate?

The VLB operates 10 long-term care facilities across Texas, including locations in Floresville, Temple, Big Spring, Bonham, McAllen, El Paso, Amarillo, Tyler, and Houston, with a new facility planned for Fort Worth in 2025 .

What cemeteries does the VLB manage?

The VLB manages four state veterans cemeteries in Killeen, Mission, Abilene, and Corpus Christi, with a new cemetery planned for Lubbock in 2025-2026 .

Key Takeaways

• The Texas Veterans Land Board is a state agency created in 1946 to provide land loans, housing assistance, home improvement loans, long-term care facilities, and cemetery services .

• It provides “the most robust state benefits package in the nation” for Texas Veterans, Military Members, and their families .

• The VLB Land Loan Program is the only one of its kind, offering up to $200,000 with only 5% down and 30-year terms .

• The Housing Assistance Program offers low-interest loans with little or no money down, up to $832,750 .

• The Home Improvement Program (VHIP) provides loans for repairs and improvements up to $50,000 .

• VLB operates 10 long-term care facilities, with veterans with 70% or higher service-connected disabilities able to live for free .

• VLB manages four state veterans cemeteries in Killeen, Mission, Abilene, and Corpus Christi, with a new one in Lubbock planned for 2025-2026 .

• To get started, call 1-800-252-8387 or visit the Texas General Land Office website .

Official Resources

• Texas Veterans Land Board: https://www.glo.texas.gov/veterans/

• VLB Call Center: 1-800-252-8387

• VLB Land Sales: https://www.glo.texas.gov/veterans/land-sale

• Texas General Land Office: https://www.glo.texas.gov/

How Texas Veterans Get Land Loans with 5% Down

The Texas Veterans Land Board (VLB) was established in 1946 as a key entity dedicated to providing comprehensive benefits and services to Texas veterans, military members, and their families. This organization operates under the Texas General Land Office, with the primary mission of promoting homeownership, education, and financial security for those who have served in the armed forces. The establishment of the VLB highlights Texas’s commitment to honoring its veterans through tangible support and resources, thereby emphasizing the state’s dedication to its military community.

The VLB plays a significant role in assisting veterans to navigate various challenges they encounter post-service. As one of the most comprehensive state benefits providers in the United States, the Texas Veterans Land Board offers an array of programs, including land loans, home loans, and education assistance. These initiatives aim to facilitate access to homeownership and educational opportunities, which are critical in ensuring that veterans can successfully reintegrate into civilian life.

Eligibility for VLB Benefits

The Texas Veterans Land Board (VLB) offers numerous benefits and services designed to support Texas veterans, active military members, and their families. Understanding the eligibility criteria is paramount for those seeking to access VLB programs. The primary requirement is that applicants must have served in the United States Armed Forces, which includes the Army, Navy, Air Force, Marine Corps, and Coast Guard.

To qualify for VLB benefits, a veteran must have received an honorable discharge from their service. This discharge status signifies a completed service with satisfactory performance, thereby ensuring that veterans meet the ethical and legal standards set forth by the military. For current active duty service members, eligibility extends as long as they can provide documentation of their service, though the specific benefits may vary based on their active status.

Additionally, members of the Texas National Guard can qualify for certain VLB programs, provided they have been deployed in active duty and can demonstrate their service through appropriate verification processes.

Family members of eligible veterans also have access to specific VLB benefits. Surviving spouses and children of veterans who lost their lives during active duty or as a result of service-connected disabilities can apply for these benefits. It is essential for family members to provide adequate documentation, such as a death certificate or disability assessment, to establish their eligibility.

The VLB ensures that all qualifying individuals are granted equal access to the resources designed for their support. By understanding the intricacies of eligibility—including the definition of various veteran statuses and service requirements—applicants can better position themselves to receive the benefits they deserve. Knowing these criteria can significantly aid veterans and their families in navigating the available assistance offered through the VLB.

Land Loans Offered by the VLB

The Texas Veterans Land Board (VLB) provides unique land loan opportunities specifically tailored for Texas veterans looking to purchase land. These loans have distinct features making them an attractive option compared to traditional lending sources. One of the key benefits is that the VLB requires a down payment of only 5%, significantly lower than what many banks or financial institutions typically demand.

VLB land loans are available for amounts ranging from $20,000 up to $150,000. The program is designed to assist veterans in achieving their dream of land ownership without facing the prohibitive costs often associated with conventional loans. The interest rates are competitive and generally lower than many other lending options, making this program a financially sound choice for veterans looking to invest in property.

When it comes to repayment terms, VLB land loans offer a favorable structure. Borrowers can choose terms of up to 30 years, allowing for manageable monthly payments spread over a longer period. This flexibility ensures that veterans can budget effectively without undue financial strain.

Utilizing VLB land loans provides numerous advantages compared to traditional lending avenues. Besides the minimal down payment and competitive interest rates, the application process is streamlined specifically for veterans, often resulting in faster approvals and reduced documentation requirements. Additionally, veterans can feel reassured knowing that they are supported by a program dedicated solely to their needs, as opposed to the larger, more generalized financial institutions.

Housing Assistance Loans

The Texas Veterans Land Board (VLB) offers a range of housing assistance loans designed specifically to support veterans in the pursuit of homeownership. These loans provide an affordable avenue for eligible veterans to obtain financing for purchasing homes or improving their living conditions. By understanding eligibility requirements, loan limits, and the application process, veterans can effectively navigate the opportunities presented by the VLB.

Eligibility for housing assistance loans is primarily based on the veteran’s service record. All qualifying veterans must meet the defined criteria, including the requirement to be a Texas resident. Additionally, veterans who have been honorably discharged from the military are typically eligible for these benefits. The program particularly emphasizes support for veterans with service-related disabilities, offering tailored assistance aimed at enhancing their living environments.

The VLB provides competitive loan limits to ensure that veterans have adequate support to purchase homes within Texas. Currently, veterans can access loans up to $510,400, with specific limits varying by county. The VLB also seeks to make homeownership accessible by facilitating low-interest rates and minimal down payment requirements. These financial incentives significantly reduce the barriers traditionally associated with entering the housing market.

When it comes to the application process, the VLB has established a streamlined procedure to ensure efficiency and ease for applicants. Veterans can initiate the process by visiting the VLB’s official website, where they will find detailed information regarding necessary documentation and steps. It is essential for applicants to prepare by gathering relevant financial information and proof of military service. Utilizing these housing assistance loans not only aids in purchasing homes but also fosters community stability and enhances the quality of life for veterans and their families.

Home Improvement Loans for Veterans

The Texas Veterans Land Board (VLB) offers home improvement loans specifically designed to assist veterans in enhancing their living spaces. These loans are tailored to support various improvements that can lead to increased safety, accessibility, and comfort for veteran homeowners. Eligible improvements include essential updates to plumbing, electrical systems, roofing, flooring, and energy-efficient upgrades. Additionally, modifications to increase accessibility, such as ramps or wider doorways for disabled veterans, are also covered.

Veterans can access significant financial support through VLB’s home improvement loan program. Loan amounts generally range from $5,000 to $50,000, depending upon the extent of the improvements and the specific needs of the veteran. This flexible financing ensures that homeowners are able to undertake necessary renovations without financial strain. The terms of the loans are designed to be favorable, with competitive interest rates and manageable repayment schedules spanning up to 20 years.

These home improvement loans are particularly beneficial for veterans aiming to enhance their quality of life and maintain their properties. By making critical improvements, homeowners can ensure their homes remain safe and functional, while also adding value to their investments. Furthermore, the improved accessibility features not only cater to the needs of veterans with disabilities but also create an inclusive environment for family members and caregivers.

In summary, VLB’s home improvement loan program serves as a valuable resource for Texas veterans seeking to upgrade their homes. With comprehensive options for financing necessary renovations, veterans are empowered to create safer and more comfortable living spaces, thereby improving their overall well-being and quality of life.

Long-Term Care Facilities for Veterans

The Texas Veterans Land Board (VLB) provides essential long-term care facilities for veterans, ensuring they receive the specialized medical and supportive services they need. These facilities cater to a diverse group of veterans, including those with chronic illnesses, disabilities, or age-related conditions requiring assisted living. The VLB oversees multiple veterans’ nursing homes and assisted living facilities strategically located across the state, allowing veterans and their families to access care close to home.

Services offered at these long-term care facilities include skilled nursing care, rehabilitation therapies, memory care for those suffering from dementia, and palliative services for advanced illnesses. Additionally, these facilities provide assistance with daily living activities, such as bathing, dressing, and meal preparation, creating a supportive environment tailored to the unique challenges veterans may face.

To be eligible for admission to these long-term care facilities, veterans must be honorably discharged from any branch of military service and meet certain medical criteria. Priority is often given to veterans with service-connected disabilities or low-income individuals. Furthermore, the application process typically involves submitting a completed application form, medical documentation, and verification of military service. Depending on the facility, there may also be a waiting list due to high demand for these services.

The significance of long-term care facilities in the Texas Veterans Land Board’s offerings cannot be overstated. They not only provide medical care but also foster a sense of community and belonging among veterans, enhancing their overall well-being. By ensuring that veterans receive adequate and compassionate care, these facilities play a vital role in supporting those who have served the nation, ultimately allowing them to live dignified and fulfilling lives.

State Veterans Cemeteries

The Texas Veterans Land Board (VLB) manages state veterans cemeteries as part of its commitment to honoring the sacrifices made by veterans and their families. These cemeteries serve as dignified final resting places, providing veterans with a respectful environment alongside their fellow service members. In Texas, there are several locations, including cemeteries in Killeen, Mission, and Abilene, among others, specifically designated for veterans, eligible spouses, and dependent children.

Eligibility for burial in these state veterans cemeteries is straightforward. Veterans who have served in active duty and have not been dishonorably discharged are eligible for interment. Additionally, spouses and dependent children of eligible veterans can also be interred, ensuring that families can be together even in their final resting place. The process is designed to be as seamless as possible, allowing families to focus on their grieving rather than administrative hurdles.

Services offered at the state veterans cemeteries include gravesite preparation, the provision of a headstone or marker, and the option of military honors at the time of burial. Each cemetery is dedicated to preserving the memory of those who have served, featuring serene landscapes that honor the legacy of veterans. Arranging an interment is facilitated through the VLB’s dedicated staff, who assist families with the paperwork and scheduling necessary to secure a gravesite. Families can access detailed information on the VLB website or contact the cemetery offices directly for support.

The significance of these state veterans cemeteries cannot be overstated. They provide not just a burial site, but also a place for remembrance and reflection, ensuring that the sacrifices of our veterans are never forgotten. Families, friends, and the community can visit these cemeteries to pay respect, helping to foster a culture of gratitude towards those who have served in the armed forces.

How to Access VLB Services and Benefits

Accessing the services and benefits offered by the Texas Veterans Land Board (VLB) is a straightforward process designed to ensure that veterans and their families can easily obtain the resources they need. To begin this journey, it is essential to know where to find the relevant information and whom to contact.

The first step is to gather the necessary documentation that may be required to access various benefits, such as proof of military service. This may involve collecting your DD214 form or other related documents that verify your eligibility for the specific benefits you are interested in.

For direct assistance, the VLB has established a dedicated call center where inquiries can be made. You can reach the VLB call center at (800) 252-8387. This line is available to answer questions regarding the land loan program, home loans, and other services. When you call, be prepared to provide your information and specify the benefits you’re seeking to expedite the process.

In addition to phone support, a wealth of information is available on the Texas General Land Office (GLO) website. The website serves as a resource hub, housing details on various programs, eligibility requirements, and application processes. To navigate effectively, visit www.globe.texas.gov/vlb, where you will find a user-friendly interface and essential links that guide you through the available services.

For a more comprehensive understanding, take advantage of the online application tools and resources available on the GLO website. By following the steps outlined there, you can apply for VLB benefits efficiently. It is advisable to periodically check back on the site for updates or changes in the services offered, as the VLB continually works to enhance access and offerings for Texas veterans.

Conclusion and Additional Resources

In reviewing the benefits provided by the Texas Veterans Land Board (VLB), it is evident that the services offered play a critical role in supporting Texas veterans and their families. The VLB provides a variety of essential benefits, including access to low-interest loans for purchasing land or homes, educational assistance through grants and scholarships, and unique programs aimed at enhancing the quality of life for veterans. These benefits are designed not only to honor the sacrifices made by veterans but also to facilitate their successful reintegration into civilian life.

Moreover, the VLB’s commitment to providing services extends to other areas such as healthcare, mental health resources, and employment assistance, which address the comprehensive needs of veterans and their families. By promoting these vital services, the VLB enhances the well-being of the veteran community in Texas, reinforcing the value society places on those who have served. The ongoing initiatives, outreach programs, and community events highlight the VLB’s dedication to cultivating an environment of support for veterans.

For veterans seeking additional resources, several organizations and websites can provide more information. The Texas Veterans Commission offers a wealth of resources, including assistance with claims and benefits at www.tvc.texas.gov. Furthermore, veterans can stay informed about upcoming events and community gatherings that will foster connections and provide further support by visiting the VLB’s official website at www.glo.texas.gov/vlb. It is imperative for veterans to stay connected with these resources to take full advantage of the benefits available to them.