VA Home Loan Guaranty Program

VA Home Loan Guaranty Program is sponsored by U.S. Department of Veterans Affairs (VA). Provides eligible veterans, service members, and survivors with home loans that often require no down payment and offer competitive interest rates.

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Learn more about the 1st Step of the Homebuying Process: Obtaining your VA Certificate of Eligibility (COE). We encourage any Veteran struggling with making their VA home loan payments to visit VA help to avoid foreclosures . You may also contact a VA loan technician at 877-827-3702 to receive personalized support.

Packed with eligibility information and debunked myths, it’s the ultimate resource. The Quick Reference for Real Estate Professionals is a go-to tool for commonly asked questions about VA home loans. Explore the toolkit, share it, and be a trusted guide for Veterans.

Acting Executive Director for the VA Home Loan Program talks with the president of the National Association of REALTORS ® to discuss the VA home loan program Watch Part 1: VA Loans 101 Watch Part 2: Reducing Barriers for VA Borrowers Information about VA's policy regarding natural disasters.

VA help to avoid foreclosure Check out the Real Estate Professionals VA Home Loan Toolkit VA Policy Regarding Natural Disasters VA helps Veterans, Servicemembers, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own 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 you with more favorable terms. Read our guide for buying a home Before you buy, be sure to read the VA Home Loan Buyer's Guide .

This guide can help you under the homebuying process and how to make the most of your VA loan benefit. Download the Buyer's Guide here .

Main pillars of the VA home loan benefit ( * Note: Lenders may require downpayments for some borrowers using the VA home loan guaranty, but VA does not require a downpayment ) Competitively low interest rates No need for Private Mortgage Insurance (PMI) The VA home loan is a lifetime benefit : you can use the guaranty multiple times Purchase Loans Help you purchase a home at a competitive interest rate often without requiring a downpayment or private mortgage insurance.

Cash Out Refinance loans allow you to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements. Learn More Interest Rate Reduction Refinance Loan (IRRRL): Also called the Streamline Refinance Loan can help you obtain a lower interest rate by refinancing your existing VA loan.

Learn More Native American Direct Loan (NADL) Program: Helps eligible Native American Veterans finance the purchase, construction, or improvement of homes on Federal Trust Land, or reduce the interest rate on a VA loan. Learn More Adapted Housing Grants: Help Veterans with a permanent and total service-connected disability purchase or build an adapted home or to modify an existing home to account for their disability.

Learn More Foreclosure Avoidance Assistance : VA provides financial counseling to help Veterans avoid foreclosure during periods of financial difficulty. Learn More State Resources : Many states offer resources to Veterans, including property tax reductions to certain Veterans. Learn More VA Loan Overview Podcast : Listen to a podcast about the benefits of VA Home Loan program and helpful tips about owning a home.

Listen Here Your length of service or service commitment, duty status and character of service determine your eligibility for specific home loan benefits. *Eligibility now includes National Guard members with at least 90 days of active service including at least 30 consecutive days under Title 32, Sections 316, 502, 503, 504 or 505.

Purchase Loans and Cash-Out Refinance: VA-guaranteed loans are available for homes for your occupancy or a spouse and/or dependent (for active duty service members). To be eligible, you must have satisfactory credit, sufficient income to meet the expected monthly obligations, and a valid Certificate of Eligibility (COE).

Learn More Interest Rate Reduction Refinance Loan (IRRRL): The IRRRL is a "VA to VA" loan, meaning it can only be done if you have an existing VA guaranteed loan on the property. The IRRRL is generally performed to lower the interest and reduce the monthly payment on the existing VA guaranteed loan.

Learn More Native American Direct Loan (NADL) Program: The NADL program helps Native American Veterans purchase, construct, improve, or re-finance a home on Native American trust lands. Your tribal organization must participate in the VA direct loan program. You must have a valid Certificate of Eligibility (COE).

Learn More Adapted Housing Grants: VA helps Veterans with certain total and permanent disabilities related to your military service obtain suitable housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant. Learn More Purchase Loan & Cash-Out Refinance: VA loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE).

You can obtain a COE through your lender, VA. gov , or by mail. Learn More Interest Rate Reduction Refinance Loan: A new Certificate of Eligibility (COE) is not required.

You may take your Certificate of Eligibility to show the prior use of your entitlement or your lender may use our e-mail confirmation procedure in lieu of a COE. Learn More Native American Direct Loan (NADL) Program: First, confirm that your tribal organization participates in the VA direct loan program. NADL loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE).

You can obtain a COE through VA. gov , or by mail. Learn more about the NADL Program Adapted Housing Grants: You can apply for an SAH or SHA grant by either downloading and completing VA Form 26-4555 (PDF) and submitting it to your nearest Regional Loan Center, or completing the online application.

Learn more about adapted housing grants External Link Disclaimer : This page contains links that will take you outside of the Department of Veterans Affairs website. VA does not endorse and is not responsible for the content of the linked websites.

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