VA Loan Programs

VA Loans are government-backed mortgages provided by private lenders and guaranteed by the U.S. Department of Veterans Affairs (VA). These loans are a powerful benefit for:

• Active-duty service members

• Veterans

• Reservists and National Guard members

• Surviving spouses of veterans

VA Loan Highlights:

• $0 down payment required

• No private mortgage insurance (PMI)

• Competitive interest rates

• Limited closing costs

• Reusable benefit — use it multiple times

VA loans are available across all 50 states and can be used for purchasing, refinancing, or improving a primary residence.

• Must meet service time requirements (90 days wartime, 181 days peacetime, or 6 years in Reserves/National Guard)

• Honorable discharge or active-duty status

• Must obtain a Certificate of Eligibility (COE) from the VA

• Property must be used as your primary residence

• No down payment required

• No mortgage insurance (unlike FHA or conventional loans)

• Relaxed credit and income requirements

• Competitive rates often lower than conventional loans

• One-time VA funding fee (waived for some disabled veterans)

1. • Obtain your Certificate of Eligibility (COE) from the VA
2. • Find a VA-approved lender
3. • Get pre-qualified and submit required documents (income, assets, etc.)
4. • Find a VA-eligible home and make an offer
5. • Complete a VA appraisal and underwriting
6. • Close with no money down