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June Membership Meeting

June 17, 2025 12:00 PM - 1:00 PM (CDT)

Description

June 2025 Membership Meeting 

Speaker: Anthony Navarro, Texas Veterans Land Board

   

Sponsor: TBD 

Please register on or before Sunday, June 15, 2025.


Below is an outline of what will be covered by Mr. Navarro:

Land Sales

The VLB sells tracts of land through two types of sales. Type I sales are offered exclusively to Veterans and Military Members. Every January, April, July, and October the VLB holds its quarterly Veterans only land sales. Those land tracts can be previewed about six weeks in advance and bidding starts immediately. Watch our newsletters for the latest information on land sales. We strongly recommend reviewing the VLB Type I Handbook prior to placing a bid, or the VLB Type II Handbook prior to making an offer.

A Veteran or Military Member whose bid is accepted may apply for a VLB Land Loan at a 7.25% interest rate with a 30-year term and a down payment possibly as low as five percent. The land loan limit is $150,000.

Land not sold to Veterans is then made available for public purchase. 

Our land loan program can also be used to finance a land purchase up to $150,000 for Texas land you may find on your own as long as the land meets our requirements.


Land Loans

The VLB offers favorable land loan terms and conditions for Texas Veterans and Military Members with:

a loan amount up to $150,000

down payment may be as low as 5%

a loan repayment term of 30 years

an interest rate of 7.25%

a minimum of one acre  

You can select any Texas property to purchase with a VLB land loan, as long as it meets the land loan requirements. If you haven’t found the land yet, you can put ‘TBD’ in the address space. Be sure to check our land loan application checklist to see about other documents you will need to submit.

When you’re ready you can apply on our application portal. The application will prompt you to upload required documents based on your application answers. Please review the VLB information via the client portal starting about three to seven business days after submitting the application. You can check in the portal by using the Apply Now link on the land loan page.

Our land loan pre-approvals are valid for 45 days. Our loan processors will also need the signed sales contract and a survey/plat that meets our survey requirements; the survey and contract must be supplied either before or after pre-approval to continue the loan process. An appraisal will be performed after your submitted contract and survey are reviewed and approved and the $325 appraisal and contract service fees are paid.


Home Loans

We encourage you to contact a participating lender directly to get started and discuss eligible types of homes as the VLB does not originate home loans. The VLB sets the interest rate that our participating lenders use. You may be eligible for a VA, FHA, or conventional home mortgage with the VLB interest rate.

If you are considering building a home, you will need to seek a construction lender, as we do not offer construction loans. However, once your new home is complete, you can contact one of our participating lenders to ask about using the VLB home loan. The program requires that new homes have either ENERGY STAR certification or HERS Index score of 75 or less.

Eligible Texas Veterans, Military Members, and their spouses may borrow up to $8056,50 on a fixed-rate loan for 15-, 20-, 25- or 30-year terms*. Veterans with a VA service-connected disability rating of 30% or more qualify for a discounted interest rate. You can check the interest rates on our website.


Home Improvement Loans

The VLB’s highest possible home improvement loan amount is $25,000 for homes with up to one lien/mortgage, or $50,000 for homes owned free and clear with no lien/mortgage.

The VLB offers home improvement loans:

up to $50,000 for 2- to 20-year terms

              or

from $7,500 to $10,000 for 2- to 10-year terms

Veterans with a VA service-connected disability rating of 30% or greater qualify for a discounted interest rate. You can check the current interest rates.

We recommend starting out by checking whether your project is eligible, then obtaining a bid from a contractor for the improvements you want to complete.


*All VLB interest rates and available discounts are subject to change at any time. The VLB base rate is subject to adjustment on the first business day of each week. All VLB loans are subject to credit approval.

Location

First National Bank of Huntsvi

6th Floor Meeting Room
View Event

Contact Information

TALL PINES ASSOCIATION OF REAL
Name: Kristen Reinhart
Phone: (832) 948-0870
Email: kristen@markhamrealty.com
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