VA helps service members, veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.
VA home loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.
Benefits
Purchase loans help you purchase a home at a competitive interest rate, often without requiring a down payment or private mortgage insurance. Cash-out refinance loans allow you to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements. Learn more about VA home loan types.
Requirements
The length of your service or service commitment and/or duty status may determine your eligibility for specific home loan benefits.
Purchase Loans & Cash-Out Refinance
VA-guaranteed loans are available for homes for your own personal occupancy. To be eligible, you must have a good credit score, sufficient income, a valid Certificate of Eligibility (COE), and meet certain service requirements. Learn more about VA home loan requests.
VA Home Loans Website
Visit the VA Home Loans website for more information.