VA

A home loan benefit for eligible veterans, service members, and surviving spouses.

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How it works

VA loan overview

A VA-backed purchase loan uses a guarantee from the U.S. Department of Veterans Affairs. Eligible borrowers may purchase without a down payment when the property and loan qualify.

Who may want to explore it

Home buyers with VA eligibility who want to compare cash needed and total financing costs.

Features to review

No monthly mortgage insurance on a VA-backed loan.
A Certificate of Eligibility helps establish benefit eligibility.
The benefit can be reused under VA rules.

Before you decide

A funding fee may apply unless an exemption applies.
The home and borrower must meet VA and lender requirements.

Compare the whole cost.

Ask for a personalized estimate with the rate, APR, monthly payment, cash to close, and program-specific fees. Terms and approval depend on your loan and lender review.

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