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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.

PORCH, LANDING AND STEPS HANDRAILS / BALUSTERS. Although the issue of porch railings is NOT covered in the 1996 HUD Guidelines that our certification letter must reference, such railings are covered in the International Residential Code (IRC) that most municipal jurisdictions abide by (2003 I.R.C. Sections R311 & R312 ). this code requires handrails and balusters for landings higher than 30.

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KBHS Home Loans, LLC policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability familial status, receipt of public assistance, or.

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