Energy Star®
Texas Veterans Land Board Veterans Housing Assistance Program

The Veterans Housing Assistance Program (VHAP) has new requirements effective March 4, 2005.

All new construction loans must meet the U.S. Environmental Protection Agency's (EPA) Energy Star® rating as an energy efficient home to be eligble for purchase. At the time of delivery of the loan to the Administrator for purchase, the primary lender must include an official EPA Energy Star Certificate evidencing that the home meets Energy Star guidelines, and an original TLVB Energy Star Affadavit. Your inspector and builder will need to sign this affidavit. Please click here to download it (12K PDF).

Loan Originations
Loans may be originated by the VLB or by participating lenders for home purchases that are new construction. Home improvement loans are originated only by the VLB.

Eligible Lenders
The lender must be an approved Primary Participant Lender or registered Correspondent Lender of a Primary Participant Lender in the VHAP.

Eligible Borrowers
The veteran must meet all eligibility requirements for the VHAP or VHIP (Home Improvement).

Eligible Loan Area
Within the state of Texas

Residence Eligibility
Only new single family houses are eligible (unless remodeling using the VHIP).

Loan Terms
All loan terms are the same as regular VHAP or VHIP loans.

Underwriting Standards
FHA and VA lending guidelines and applicable FNMA/FHLMC credit underwriting standards will be applied by a Participant Lender in its normal course of business.

All VLB loans are subject to credit approval.