VA Home Loan

You served your country. Now let your country recognize your service with special financing just for veterans. VA loans reward veterans for their service and sacrifice on behalf of our country in a number of ways.

What Is A VA Loan?

VA loans are a special type of home mortgage reserved for active military members and veterans. These home loans are guaranteed by the U.S. Department of Veterans Affairs and offered by participating approved lenders. VA loans allow eligible veterans and active military personnel to realize their home buying dreams and help existing VA loan homeowners with money-saving refinance options.

VA Loan Benefits

VA loans are designed to provide long-term home financing to qualified active duty military and veterans and, in some cases, their surviving unmarried spouses. In many instances, VA loan interest rates can be better than those for other types of loan programs.

VA loans offer several additional advantages over other types of mortgages, including: 

  • 100% financing option is available - no down payment required
  • Low 30- and 15-year fixed rate loans
  • No private mortgage insurance requirements
  • Those with less than perfect credit can apply

Who Is Eligible For A VA Loan?

  • Active-duty military
  • Veterans
  • Reservists and members of the National Guard
  • Some surviving spouses of veterans

The eligibility requirements are unique to VA loans. In addition to past or present military service, standard home loan criteria like your credit score, income, and residual will also play a role in your eligibility.

Certificate Of Eligibility

In order to apply for a VA-sponsored loan, you will need to obtain a Certificate of Eligibility (COE). Your COE verifies to lenders that you meet the requirements necessary to obtain a VA-sponsored loan. Applying for a COE is straightforward and can be done online, through the mail or through a lender.

Active duty military personnel and current National Guard members or Reservists who have never had active Federal service will need to present a current statement of service in order to obtain a COE.

Veterans and current or former National Guard members and Reservists who have been activated for Federal active service will need to present a DD Form 214 confirming their past service.

Get Pre-Qualification For A VA Loan

Let one of our experienced VA financing professionals help you navigate the VA loan process. Get started today.


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