Texas Veterans Land Board loan · 5% down · 30 years fixed
Land that fits the Texas Veterans Land Board loan
199 surveyed tracts, each 1 acre or more, in Texas, with deeded road access, and priced so the VLB's $200,000 loan cap covers it with the minimum 5% down. The VLB finances the land at its posted rate, 30 years fixed; you pay the VLB, not a bank. Eligibility is the VLB's call, not ours.
- open tracts
- 199
- starting price
- $50,995
- starting payment
- $330/mo
- Open tracts
- 199 · 10 pending
- From
- $50,995
- Est. monthly
- from $330/mo
- Ranches
- 19
What the VLB checks, and how these tracts measure up
From the VLB's land loan page as of Oct 26, 2026. The VLB's own appraisal and title review are the final word on any tract.
At least 1 acre
Every tract here is 1 acre or more; most run 10 to 50. Surveyed, so the acreage on the page is the acreage on the deed.
Wholly in Texas
Every ranch we sell is in Texas.
Legal, usable access to a public road
Every tract is sold with deeded access over the ranch's graded roads out to a public road. The VLB confirms the recorded access and road width in its review.
A sealed survey
Each tract has a surveyor's sealed field notes or a recorded plat. We send them to the VLB with the contract.
Not zoned commercial
Rural ranch land in counties with no zoning.
Price inside the $200,000 cap
Every tract on this page is $210,526 or less, so the cap covers it with 5% down. Pricier tracts work with more down or the $275,000 two-spouse cap; ask.
Where they are
Highlighted tracts are the ones that match this page.
By the numbers
Most tracts here are between $100,000 and $200,000.
209 of 209 lots
Langtry West Ranch · $2,550 down (5%) · about $330/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $2,740 down (5%) · about $355/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $2,817 down (5%) · about $365/mo est. at the VLB's 7.25%, 30 yr
Sendero Creek Ranch · $2,825 down (5%) · about $366/mo est. at the VLB's 7.25%, 30 yr
Sendero Creek Ranch · $2,825 down (5%) · about $366/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $2,832 down (5%) · about $367/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $2,930 down (5%) · about $380/mo est. at the VLB's 7.25%, 30 yr
44 Ranch South · $2,975 down (5%) · about $386/mo est. at the VLB's 7.25%, 30 yr
44 Ranch South · $2,975 down (5%) · about $386/mo est. at the VLB's 7.25%, 30 yr
44 Ranch North · $2,978 down (5%) · about $386/mo est. at the VLB's 7.25%, 30 yr
44 Ranch North · $2,978 down (5%) · about $386/mo est. at the VLB's 7.25%, 30 yr
44 Ranch South · $3,067 down (5%) · about $398/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $3,082 down (5%) · about $399/mo est. at the VLB's 7.25%, 30 yr
44 Ranch South · $3,100 down (5%) · about $402/mo est. at the VLB's 7.25%, 30 yr
Soledad Creek Ranch · $3,104 down (5%) · about $402/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $3,117 down (5%) · about $404/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $3,197 down (5%) · about $414/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $3,307 down (5%) · about $429/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $3,374 down (5%) · about $437/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $3,522 down (5%) · about $456/mo est. at the VLB's 7.25%, 30 yr
Soledad Creek Ranch · $3,641 down (5%) · about $472/mo est. at the VLB's 7.25%, 30 yr
44 Ranch North · $3,659 down (5%) · about $474/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $3,674 down (5%) · about $476/mo est. at the VLB's 7.25%, 30 yr
Soledad Creek Ranch · $3,706 down (5%) · about $480/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $3,724 down (5%) · about $483/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $3,789 down (5%) · about $491/mo est. at the VLB's 7.25%, 30 yr
Lohn Hollow Ranch · $3,878 down (5%) · about $503/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $3,941 down (5%) · about $511/mo est. at the VLB's 7.25%, 30 yr
44 Ranch North · $3,942 down (5%) · about $511/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $3,974 down (5%) · about $515/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $3,981 down (5%) · about $516/mo est. at the VLB's 7.25%, 30 yr
Lohn Hollow Ranch · $4,012 down (5%) · about $520/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $4,071 down (5%) · about $528/mo est. at the VLB's 7.25%, 30 yr
Lohn Hollow Ranch · $4,092 down (5%) · about $530/mo est. at the VLB's 7.25%, 30 yr
Lohn Hollow Ranch · $4,096 down (5%) · about $531/mo est. at the VLB's 7.25%, 30 yr
High Bridge Ranch · $4,200 down (5%) · about $544/mo est. at the VLB's 7.25%, 30 yr
Lohn Hollow Ranch · $4,291 down (5%) · about $556/mo est. at the VLB's 7.25%, 30 yr
44 Ranch North · $4,361 down (5%) · about $565/mo est. at the VLB's 7.25%, 30 yr
44 Ranch South · $4,450 down (5%) · about $577/mo est. at the VLB's 7.25%, 30 yr
High Bridge Ranch · $4,463 down (5%) · about $578/mo est. at the VLB's 7.25%, 30 yr
Soledad Creek Ranch · $4,491 down (5%) · about $582/mo est. at the VLB's 7.25%, 30 yr
High Bridge Ranch · $4,550 down (5%) · about $590/mo est. at the VLB's 7.25%, 30 yr
44 Ranch North · $4,552 down (5%) · about $590/mo est. at the VLB's 7.25%, 30 yr
Lohn Hollow Ranch · $4,596 down (5%) · about $596/mo est. at the VLB's 7.25%, 30 yr
Soledad Creek Ranch · $4,613 down (5%) · about $598/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $4,620 down (5%) · about $599/mo est. at the VLB's 7.25%, 30 yr
Lohn Hollow Ranch · $4,652 down (5%) · about $603/mo est. at the VLB's 7.25%, 30 yr
Tortuga Ranch · $4,680 down (5%) · about $607/mo est. at the VLB's 7.25%, 30 yr
The Ranch Enterprises family
Selling Texas land for over 25 years
Guadalupe Ranch Co. is part of the Ranch Enterprises family — surveyed tracts, deeded access, and owner financing serviced in-house. We're the seller and the lender, not a broker handing you off to a bank.
- 25+ yrs
- Selling Texas land
- 320,000+
- Acres sold · TX, CO & NM
- 5,000+
- Tracts financed in-house
- 20+
- Texas counties
Frequently asked
- Who qualifies for a VLB land loan?
- Someone 18 or older, a bona fide Texas resident on the day they apply, and one of: on active duty, in the Texas National Guard, a reservist with 20 qualifying years, or a veteran with at least 90 days of active duty (fewer if discharged early for a service-connected disability). The discharge has to be honorable, general or medical. A surviving spouse of a veteran missing in action, or whose death was service connected, also qualifies. The VLB decides, not us: the full rules and the application are at glo.texas.gov, 800-252-8387.
- What are the VLB's terms right now?
- Up to $200,000 ($275,000 when two eligible spouses buy one tract together), 5% down minimum, 30 years at a fixed rate, the VLB's posted rate (7.25% as of Oct 26, 2026, subject to change), a $325 appraisal and contract fee after you apply, and no prepayment penalty. The loan can be assumed after 3 years. The land can't be land you or your spouse owned in the last 3 years.
- How does it work with Guadalupe Ranch Co.?
- You pick the tract, we write the contract and send the survey, the VLB appraises it and reviews title and access, and at closing the VLB funds the purchase. Your monthly payment goes to the VLB, not to us. If the price runs over the VLB's appraisal, the difference is paid at closing. Plan on the VLB's timeline, which is longer than our in-house close.
- How are the payments on this page figured?
- 5% down, the balance at the VLB's posted rate (7.25%) over 30 years. Taxes and the VLB's fees are extra; the VLB sets the final terms. All 199 tracts on this page are priced at $210,526 or less, so the cap covers them with the minimum down; a pricier tract works with more down or the $275,000 two-spouse cap. Ask us.
- What if I'd rather not go through the VLB?
- We owner-finance every tract in-house, as little as 5% down and no bank, and veterans get our better rate column at any price (tick the veteran box on a tract's estimator). Faster close, no state application.
- Is Guadalupe Ranch Co. part of the VLB?
- No. We're an independent seller, not affiliated with the Texas Veterans Land Board or the General Land Office. The program facts on this page are from the VLB's own land loan page as of Oct 26, 2026; the VLB's current rules govern.
Estimate your payment
Your rate follows your down payment — and improves on tracts over $200k. These are our actual tiers.
Estimated monthly
$328
Estimate only — excludes taxes, fees, and maintenance assessments. Actual financing terms are set at contract. Call (830)-307-7533 for current owner finance terms.
Get first shot at the next one
Tell us what you're after and a salesman will text you the tracts that fit, including the ones that list after today.