Veterans Affairs (VA) home loans are available to service members, veterans, and eligible surviving spouses. They provide a home loan guaranty benefit and other housing-related programs to help buy, build, repair, retain, or adapt a home for 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 more favorable terms.

The length of service or service commitment and/or duty status may determine eligibility for specific home loan benefits. Those benefits include:

  • Purchase Loans
  • Cash-out Refinance
  • Interest Rate Reduction Refinance Loan (IRRRL)
  • Native American Direct Loan (NADL) Program
  • Adapted Housing Grants
  • State-specific resources

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*Down payment and other terms shown are for informational purposes only, and are not intended as an advertisement or commitment to lend. Not all borrowers will qualify; please contact us for an exact quote and more information on fees and terms.