VA Home Loan Benefits
Achieve homeownership with VA-backed home loans featuring no down payment, competitive rates, and no private mortgage insurance requirements.
Understanding VA Home Loans
The VA home loan program is one of the most valuable benefits available to veterans, active-duty service members, and eligible surviving spouses. Since 1944, the VA has helped millions of veterans achieve homeownership through this program.
VA home loans offer significant advantages including no down payment requirement (for qualified borrowers), no private mortgage insurance (PMI), competitive interest rates, and limits on closing costs. The VA guarantees a portion of the loan, allowing lenders to offer more favorable terms than conventional mortgages.
Home Loan Resources
VA Home Loan Guide
Complete guide to VA home loans including eligibility, benefits, and the application process.
- No down payment required
- No private mortgage insurance
- Competitive interest rates
- Flexible credit requirements
Certificate of Eligibility
Learn how to obtain your Certificate of Eligibility (COE) for VA home loan benefits.
- Online COE application
- Eligibility requirements
- Service verification
- Entitlement information
Find VA-Approved Lenders
Search for VA-approved lenders and compare rates to find the best home loan option.
- Approved lender directory
- Rate comparison tools
- Lender reviews
- Local lender search
Important Home Loan Contact Numbers
Get assistance with your VA home loan questions
VA Home Loan Program
1-877-827-3702
General home loan questions and COE assistance
Loan Guaranty Service
1-800-827-1000
Regional loan center assistance
Benefits Hotline
1-800-827-1000
General VA benefits information
Foreclosure Avoidance
1-877-827-3702
Help with loan payment difficulties
Ready to Buy Your Home?
Our team can help you understand VA home loan benefits, obtain your COE, and connect with the right lender for your needs.