05/27/2026
https://www.benefits.va.gov/homeloans/index.asp
DID YOU KNOW? The VA helps Veterans, Servicemembers, and eligible surviving spouses become homeowners. As part of their mission to serve you, they provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.
VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.
Main Pillars of the VA Home Loan Benefit:
o No downpayment required
(*Note: Lenders may require downpayments for some borrowers using the VA home loan guaranty, but VA does not require a downpayment)
o Competitively low interest rates
o Limited closing costs
o No need for Private Mortgage Insurance (PMI)
o The VA home loan is a lifetime benefit: you can use the guaranty multiple times
AND if you are a Veteran and either you or your spouse is Native American, the VA has the Native American Direct Loan (NADL) program that can help you get a loan to buy, build, or improve a home on federal trust land. For more information go to https://www.va.gov/housing-assistance/home-loans/loan-types/native-american-direct-loan/
Apply for and manage the VA benefits and services you’ve earned as a Veteran, Servicemember, or family member—like health care, disability, education, and more.