THE VLB LAND LOAN
Own your piece of Texas.
The Texas Veterans Land Board (VLB) Land Loan helps eligible Texas Veterans and Military Members buy one acre or more of Texas land. Victor Espinoza, U.S. Army Veteran and Real Estate Consultant, helps you find tracts in Bulverde, Spring Branch, Canyon Lake, Boerne, Castroville and Seguin, then check access, utilities and restrictions before you commit.
LOAN TERMS · REVIEWED NOVEMBER 9, 2026
Up to $200,000 for Texas land.
Up to $200,000 for one eligible borrower.
Up to $275,000 for two eligible Veteran spouses buying the same tract of at least one net acre.
Typically 5% down, subject to credit approval.
Fixed-rate, 30-year term at 7.25% for Veterans as of November 9, 2026. Rates can change at any time.
No prepayment penalty. A $325 appraisal and contract service fee is collected after you apply.
Source: Texas General Land Office, VLB Land Loan Program. Confirm current terms with the VLB at 800-252-8387.
ELIGIBILITY AND YOUR LAND
Who qualifies, and what to confirm.
1. Eligibility. Be at least 18 and a bona fide Texas resident when you apply, and meet one service requirement: active duty, Texas National Guard, a Reserve member with 20 qualifying retirement years, or a Veteran with at least 90 days of active duty and an honorable, general or medical discharge.
2. Usable acreage. The VLB requires at least one acre, not counting land under a public road or navigable waterway, frequently flooded land or otherwise unusable land.
3. Access and survey. Confirm legal road access, recorded easements and boundaries on a current survey.
4. Water, septic and power. Confirm the water source or well, septic permitting and electric service with each provider and the county.
5. Floodplain and restrictions. Check flood maps for the exact property, plus deed restrictions, HOA rules and building requirements.
STEP BY STEP
From prequalification to closing.
1. Get prequalified through the VLB online application.
2. Set your search with Victor: budget, acreage and plans for a homesite, recreation or a future build.
3. Vet the tract for access, utilities, survey, floodplain and restrictions.
4. Contract and appraisal. Victor writes the contract and coordinates the VLB appraisal and documents.
5. Close on your land. Planning a home instead? A VA-backed loan may fit.
VLB LAND LOAN FAQ
Questions Veteran land buyers ask.
How much can I borrow with a VLB Land Loan?
Up to $200,000 for one eligible borrower. Two Veteran spouses who are each eligible may borrow up to $275,000 together for the same tract of at least one net acre.
What is the down payment and interest rate?
Typically a minimum of 5% down, subject to credit approval, on a fixed-rate 30-year term. The VLB listed a 7.25% Veteran rate as of November 9, 2026; rates can change at any time.
Do I have to live in Texas?
Yes. You must be a bona fide Texas resident on the date you apply, and the land must be in Texas.
Is there a prepayment penalty?
No. The VLB states there is no prepayment penalty on land loans.
How do I contact the VLB?
Call the Veterans call center at 800-252-8387 or apply through the VLB online application linked from the program page.
Is Victor a lender?
No. Victor is a Real Estate Consultant. He helps you find and evaluate land and handles the contract. The VLB makes the loan decision.
YOUR HILL COUNTRY LAND AGENT
Victor Espinoza
Victor Espinoza · Real Estate Consultant · U.S. Army Veteran
V&E LUX Real Estate | Crisp Real Estate Group
Looking for Hill Country acreage? Work with Victor to find, vet and contract the right tract, from VLB prequalification to closing.
TREC #602052 · Brokerage TREC #0506577
Call or text 210.870.0200
www.Victor-Espinoza.com
Equal Housing Opportunity. Victor Espinoza is a real estate professional, not a lender or a representative of the Texas Veterans Land Board. This page is general information, not loan, legal or tax advice. Loan limits, rates, fees and eligibility are set by the VLB and can change; confirm with the VLB before relying on them. Information reviewed November 9, 2026.