How to Maximize Your TVLB Benefits in 2026

The Texas Advantage for Veterans

Texas is arguably the best state in the nation for veterans, and the Texas Veterans Land Board (TVLB) is a prime reason why. The TVLB offers specialized loan programs for land, home purchases, and home improvements with interest rates that are often significantly below market average.

Combining TVLB with Your VA Loan

One of the most powerful strategies we deploy for our Texas veteran clients is stacking the TVLB home loan program with the federal VA loan guaranty.

Here's how it works: The TVLB acts as the investor providing the low interest rate, while the federal VA provides the zero-down payment guaranty. This means you get the best of both worlds—no down payment and an incredibly low interest rate.

Disability Rate Reductions

If you have a VA service-connected disability rating of 30% or greater, the TVLB offers an additional 0.5% reduction on their already low interest rates. This is a massive financial benefit over the lifespan of a 30-year mortgage.

Land Loans

Looking to buy acreage outside of Houston? The TVLB Land Loan program allows veterans to borrow up to $150,000 to purchase land, requiring only a 5% down payment. This is an incredibly rare financing option, as most conventional land loans require 20% to 50% down.

Navigating the TVLB process requires specific expertise. Our team is fully versed in TVLB procedures and can connect you with approved participating lenders to get your mission accomplished.

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