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GOVERNMENT-BACKED PROGRAMS

VA-backed home loans

Eligible service members, veterans, and other qualifying borrowers may explore VA loan benefits.

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A useful starting pointEvery mortgage has its own terms, costs, and qualification requirements. Use this overview to prepare questions and compare written loan estimates.

THE OVERVIEW

How this option works

VA-backed home loans are offered by private lenders, with the Department of Veterans Affairs guaranteeing part of the loan. Eligibility is based on VA service requirements and a Certificate of Eligibility, as well as lender review.

A VA-backed loan may offer features such as no required down payment in qualifying circumstances and no monthly mortgage insurance, but a VA funding fee may apply unless an exemption is available. The property and intended occupancy must meet applicable rules.

MAKE THE CONVERSATION COUNT

Questions to ask

Ask for the details in writing and compare the total cost, payment, and terms for your own scenario.

  • Do I qualify for a Certificate of Eligibility, and what entitlement is available?
  • Would a funding fee apply, and can it be financed?
  • How do the VA estimate and other available options compare?
General information only. Program rules, rates, and lender availability can change. This page is not an offer, approval, or personal recommendation. Review current written terms with a qualified mortgage professional.

Official information: VA: Purchase loan overview ↗

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