Confirm Your

VA Eligibility

Join the millions of service members

who have utilized their VA loan benefit.

RECEIVE YOUR FREE VA LOAN GUIDEBOOK.

Fill out the form below to get started.

Branch of Service *

Home Type *

First-Time Homebuyer *

Property Use *

Property Purpose Situation *

Estimated Purchase Price of New Property *

Gross Annual Income *

Credit *

Filed bankruptcy in the last 3 years?

Can you show proof of income? *

Are you working with a real estate agent? *

First Name *

Last Name *

Email *

Phone *

Address *

City *

State *

Zip Code *

Confirm Your

VA Eligibility

Confirm Your

VA Eligibility

Join the millions of service members

who have utilized their VA loan benefit.

RECEIVE YOUR FREE VA LOAN GUIDEBOOK.

Fill out the form below to get started.

Branch of Service *

Home Type *

First-Time Homebuyer *

Property Use *

Property Purpose Situation *

Estimated Purchase Price of New Property *

Gross Annual Income *

Credit *

Filed bankruptcy in the last 3 years?

Can you show proof of income? *

Are you working with a real estate agent? *

First Name *

Last Name *

Email *

Phone *

Address *

City *

State *

Zip Code *

Ready to Get Started?

It takes less than 60 seconds to fill out the form above.

Comprehensive information on using your VA loan to buy a home.

The VA has a mission to serve, proide a home loan guaranty benefit and additional housing related programs for the benefit of veterans and their families in buying, maintaining and owning your own personal occupancy.

VA home loans are provided by private lenders, such as direct lenders, banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide the Veteran with more favorable terms.

Whether you are purchasing your first home with VA benefits or have purchased a home in the past, the information provided is free, for your benefit and will help educate you through the process of owning a home with a VA loan.

What is the VA Home Loan Benefit?

VA home loans are provided to veterans and their spouses as a benefit to help purchase a home. VA home loans are provided by private lenders, banks and mortgage companies. VA guarantees a portion of the loan against loss, enabling the lender to provide you with more favorable terms.

Why Use Your Benefit?

The guarantee VA provides to lenders allows them to provide you with more favorable terms including:

-No down payment unless required by the lender or the purchase price is more than the reasonable value of the property

-No private mortgage insurance premium requirement

-VA rules limit the amount you can be charged for closing costs

-Closing costs may be paid by the seller

-The lender cannot charge a pre-payment penalty if you pay off the loan early

-VA may be able to provide you some assistance if you run into difficulty making payments

Who is Eligible for a VA Guaranteed Loan?

Generally, the following people are eligible:

-Veterans who meet length of service requirements

-Servicemembers on active duty who have served a minimum period

-Certain Reservists and National Guard members

-Certain surviving spouses of deceased Veterans

How Do I Start the Process?

VA provides policy, guidelines and oversight of the program. Lenders provide financing for eligible Veterans. The guaranty allows Veterans to obtain a competitive loan without a down payment. Lenders need a Certificate of Eligibility (COE) to prove your entitlement. Most Veterans can obtain the COE online through eBenefits. Lenders may also have the ability to request the COE on your behalf.