Dedicated to military personnel, Veterans and their families
A VA loan is a mortgage option with no down payment that is provided by private lenders and guaranteed by the Department of Veterans Affairs (VA). Borrowers who meet the requirements can use a VA loan to refinance an existing mortgage or buy a home as their primary residence.
Most members of the military, veterans, reservists and National Guard members are eligible to apply for a VA loan. Active-duty members generally qualify after about six months of service. Guard must wait six years to apply, but if they are called to active duty before that, they gain eligibility after 181 days of service.
* Potential borrowers must obtain a certification of eligibility before applying for a loan.
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