Not endorsed or sponsored by the Department of Veterans Affairs or any government agency. VA Approved Lender. Mortgage Research Center — NMLS #1907.
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To get started with your VA Home Loan, call (888)258-6879 or Get Started Here

Understanding the VA Home Loan

The VA Home Loan is a mortgage option – exclusively for veterans, service members and surviving spouses – that is guaranteed by the U.S. Department of Veterans Affairs and issued by approved lenders.

The VA Loan's popularity is attributed to the money-saving benefits, such as no required down payment, no private mortgage insurance and requirements that are less-stringent than those of conventional mortgage options.

These benefits, along with many others, make VA Loans one of the most powerful mortgage programs available today.

Learn More about VA Loans here

Types of VA Loans

Available for single-family homes, building a new home, VA approved condominiums or refinancing a current mortgage - VA Loan or otherwise.

Guaranteed by the VA

The Department of Veterans Affairs backs a portion of each home loan, giving lenders the ability to offer competitive rates and terms.

No Money Down

A front-runner among VA Home Loan benefits is the fact that there is no required down payment, as well as no mortgage insurance premiums.

Exclusive Benefit

The VA Loan is only available to veterans, active service members and eligible military spouses as a benefit of your service to our country.

Basic Service Requirements

  • Served on active duty for 90 days during conflict
  • Served on active duty for 181 days during peacetime
  • Served a minimum of six years in the Reserves or National Guard
  • Are the spouse of a service member who died due to a service related injury

VA Loan Eligibility

To be considered eligible for the VA Loan, potential homebuyers must meet the lender's credit and income standards, as well as the VA's basic service requirements and occupancy guidelines.

Homes purchased with a VA Mortgage must be the homeowner’s primary residence and properties can include single-family homes, condominiums and new construction. Additionally, the VA Loan cannot be used as a business loan, and rental property and vacation homes are not eligible.

Learn More about VA Loan Eligibility here

Frequently Asked VA Loan Questions

We’ve helped thousands of families learn about the VA Home Loan process and have seen our fair share of questions along the way. We have listed a few of the most common below; however, if your question isn't answered, please contact us at 888-258-6879.

For a complete list of VA Loan questions and answers see here.

How do I qualify for a VA loan?

To determine if you qualify, fill out our short form above and one of our specialists on the VA Loan will get you on the road to prequalification. For more information on if you qualify, see our guide to VA Loan eligibility or view the Department of Veterans Affairs break down of eligibility requirements.

What types of properties are eligible?

Single-family homes, VA-approved condominiums and new construction are all eligible for the VA Loan; however, the homebuyer must occupy the home as their primary residence. Investment and vacation homes are not eligible.

What kind of savings do VA Loans offer?

VA Loans are guaranteed by the Department of Veterans Affairs and offer the unique benefit of zero-money down. Zero down, combined with no mortgage insurance costs, provide homeowners savings month-over-month.

Veteran or Active Duty and using a VA Home Loan?

Call (888) 258-6879 or Get Started