VA Loans for Veterans and Active Duty Homebuyers

Explore low-rate, no down payment options with the <strong>VA Home Loan</strong> program — a benefit you’ve earned.

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What Is a VA Home Loan?

VA loans are government-backed mortgage programs offered by the Department of Veterans Affairs. Designed for eligible veterans, active-duty service members, and surviving spouses, VA home loans offer unique benefits that make homeownership more accessible—often with zero down payment and no private mortgage insurance.

Whether you're looking to buy a new home, refinance your existing mortgage, or tap into your home's equity, VA mortgage loans are one of the most powerful tools available for military borrowers.

Benefits of a VA Mortgage Loan

  • 0% down payment required for most buyers
  • No monthly private mortgage insurance (PMI)
  • Flexible credit and income requirements
  • Competitive, low fixed interest rates
  • VA IRRRL – Streamlined refinance with no appraisal
  • Option to finance funding fees and closing costs
  • Reusable VA loan benefit for future purchases
  • No prepayment penalties

Who Is Eligible for a VA Home Loan?

VA loans require a valid Certificate of Eligibility (COE), which is based on service history and discharge status. You may qualify if:

  • You are an active duty service member
  • You are a veteran with an honorable discharge
  • You served at least 90 consecutive days during wartime
  • You are a Reservist or National Guard member with qualifying service
  • You are the surviving spouse of a service member who died in the line of duty or from service-related causes

To verify eligibility, the Department of Veterans Affairs issues a COE, which we can help you obtain as part of your VA loan application.

VA loans for eligible military homebuyers

Types of VA Loan Programs

VA loans can be used in multiple ways, whether you're buying, refinancing, or upgrading your property. The most common types of VA loan programs include:

  • VA Purchase Loan – Buy a primary residence with no down payment
  • VA Cash-Out Refinance – Access your home's equity for cash or debt consolidation
  • VA IRRRL (Interest Rate Reduction Refinance Loan) – Streamline refinance for lower rates
  • VA Jumbo Loan – For loan amounts that exceed standard VA limits

Start Your VA Loan Application Today

Connect with top-rated VA lenders and explore all your benefits. We help veterans, service members, and families navigate the home loan process with confidence and speed.

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Frequently Asked Questions About VA Loans

How do I apply for a VA loan?

To apply, you'll need to obtain a Certificate of Eligibility (COE), complete a mortgage application with a VA-approved lender, and provide standard income and credit documents.

Can I refinance using a VA loan?

Yes. VA loans offer two main refinance options: the VA IRRRL (streamline refinance) and the VA cash-out refinance. Both options provide competitive rates with minimal fees.

What are the closing costs for VA loans?

While VA loans limit certain fees, typical closing costs range from 3% to 5% of the loan amount. These can often be financed or paid by the seller.

Can I use a VA loan more than once?

Yes. VA loan benefits are reusable as long as you have remaining entitlement and meet eligibility requirements.

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