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What is a VA Loan?
A VA Loan is a mortgage program backed by the U.S. Department of Veterans Affairs, designed to help eligible service members, veterans, and surviving spouses purchase, refinance, or build homes. It offers competitive interest rates, no down payment, and no private mortgage insurance (PMI).
Eligibility Requirements for a VA Loan
Certificate of Eligibility (COE):
This document proves to lenders that you qualify for a VA Loan.
Service Requirements:
Active-duty service for at least 90 days during wartime.
181 days during peacetime.
6 years in the National Guard or Reserves.
Spouses of service members who died in the line of duty or as a result of a service-connected disability.
Useful Websites
Explore these websites to assist with your VA loan process
VA Home Loans Website:
Primary resource for VA loan benefits, eligibility, and application process.
E-Benefits Portal:
Used to apply for a Certificate of Eligibility (COE).
Loan Calculator:
Discover your borrowing potential with our Loan Calculator.
Essential Forms
Below are essential forms you will need to begin the VA Loan process.
VA Form 26-1880: Request for a Certificate of Eligibility.
VA Form 26-8937: Verification of VA benefits, used to determine funding fee exemption.
DD Form 214: Certificate of Release or Discharge from Active Duty.
How VA Loans Compare
All mortgage types have their own distinct advantages and drawbacks. But when you stack them side by side, VA loans rise above for many Veteran and military homebuyers.
Here’s a quick look at how VA loans compare to both conventional mortgages and FHA loans, which are also government-backed.
