What You Need to Apply for a Texas VLB Land Loan: Full Application Checklist

by Tre Serrano

If you are a veteran or military member planning to purchase land in Texas, the Texas Veterans Land Board (VLB) Land Loan Program offers a valuable opportunity. To keep the application process efficient and stress-free, it is important to gather all necessary documentation in advance.

At Cavalry Realty Group, we guide veterans and first responders through the land buying process every day. This article outlines the complete list of documents you may need to submit with your VLB land loan application so you can stay prepared and avoid delays.

Required Documents for a VLB Land Loan Application

Here is what you will typically need to provide during the application process:

1. Identification and Military Documentation

- Valid Texas driver’s license or state-issued ID
- Social Security card
- Date of birth
- DD214 (Member 4 copy), which verifies your military service

If you do not have a driver’s license, a valid Texas ID card will be accepted instead.

2. Income Verification

You will need to provide proof of income to demonstrate your ability to repay the loan. These documents may include:

Bank statements dated within 30 days of your application or closing
Most recent employment pay stubs (within the last 30 days)
Documentation of rental income from any real estate you currently own
Award letters showing benefits from:
- Social Security (SSI)
- VA disability compensation
- Pension income

3. For Self-Employed Applicants

If you are self-employed, additional documentation is required:

Verification of self-employment status
Current profit and loss statement
Complete personal tax returns (Form 1040) for the past two years

4. Property and Land Details

You will also need to submit documentation related to the property you are purchasing:

A completed Farm and Ranch Contract (Texas Real Estate Commission form)
Field notes and a survey plat that meet the VLB’s specific survey requirements VLB-compliant survey guidelines can be found at the official website (http://www.glo.texas.gov/vlb/forms/index.html) 2ef17f0e-cf81-4a6c-85fb-becbf5d… .

Not all surveys are accepted, so be sure to use a licensed professional who understands the VLB’s standards.

5. Additional Documentation (If Applicable)

Depending on your personal history, the following documents may also be required:

Verification of a discharged bankruptcy
Certified copy of your divorce decree
Confirmation that any recently sold homes or vehicles have had their loans paid in full (if sold within the last 30 days)

A Smoother Loan Experience Starts with Preparation

Applying for a VLB land loan does not have to be complicated, but missing documents or incorrect submissions can lead to delays. That is why working with a real estate team that understands the VLB process can make all the difference.

At Cavalry Realty Group, we help buyers across San Antonio and surrounding areas navigate the land loan process from start to finish. We work with lenders, surveyors, and title companies to ensure your file is complete and compliant with all VLB requirements.

Take the Next Step Toward Land Ownership

If you are ready to explore land ownership through the VLB program, reach out to our team today. We are here to answer your questions, guide you through the paperwork, and help you find land that fits your goals and qualifies for the program

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