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Find A Lender. In 1983, the Legislature created the VLB Veterans Housing Assistance Program (VHAP), to aid texas veterans in purchasing a home. Eligible Texas Veterans and Military Members have an opportunity to purchase a home with a competitive, low-interest loan with little or no down payment.

Texas mortgage lenders offer home loan programs like Conforming, Cash Out Refinance, FHA, VA 100% Purchase and Home Equity Loans.

Texas’s reluctance to embrace home equity loans is well-known; it was not until 1997 that Texas voted, through a ballot initiative, to amend the Texas Constitution to allow such loans.[1] But, when.