VA Home Loans

VA Home Loans
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VA Home Loans
VA Home Loans
Are you ready to start the homebuying journey? 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.
Information about VA's policy regarding natural disasters.
Learn more »
Home Loan Eligibility
VA help to avoid foreclosure
Check out the Real Estate Professionals VA Home Loan Toolkit
VA Policy Regarding Natural Disasters
About Home Loans
Benefits
Eligibility
How to Apply
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
No downpayment
required
(
*
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
Limited
closing costs
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
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.
Resources
Download the VA Buyer's Guide
Home Buying Process for Veterans
Native American Direct Loan - Tribal MOU's
VA Policy on Natural Disasters
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Contact a Housing Counselor
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Last updated November 17, 2025
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