---
title: "VA Home Loans Program (Official)"
url: https://stacklist.com/card/0954be51-466b-4010-9f19-487d98b4f459
source_url: "https://www.benefits.va.gov/homeloans/"
stack: https://stacklist.com/c/finance/stack/7a39ca11-3d49-4838-8b1d-5a4eabb6ecc2
summary: "The U.S. Department of Veterans Affairs website provides a comprehensive navigation structure covering home loans, mortgage assistance, compensation, education and training, life insurance, and veteran readiness programs. It serves as a central resource hub for veterans, active duty service members, caregivers, and dependents seeking VA benefits and services."
tags: "va-home-loans, veterans-benefits, mortgage-assistance, life-insurance, education-training, compensation, veteran-readiness"
key_entities: "U.S. Department of Veterans Affairs (organization), VA Home Loans (concept), Post-9/11 GI Bill (concept), Transition Assistance Program (TAP) (concept), Servicemembers' Group Life Insurance (SGLI) (concept), Veterans' Group Life Insurance (VGLI) (concept), Specially Adapted Housing (SAH) (concept), VALERI (VA Loan Electronic Reporting Interface) (technology), Native American Direct Loan (concept), SkillBridge (concept)"
classification: "reference"
content_hash: "sha256:7fe780daa36a7a5233ae9e2af9ab0e61e9839c83567bb8318175e1259f028231"
acp_version: "0.2"
token_counts_approximate: 3325
visibility: public
agent_accessible: true
status: "final"
---

# VA Home Loans Program (Official)

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Select One Veteran Active Duty Service Member Caregiver/Family Member Dependent/Survivor National Guard/Reserve Menu Menu Outreach and Transition Programs Outreach and Transition Programs Home Outreach Elderly Veterans Gulf War Veterans Homeless Veterans Incarcerated Veterans Korean War Veterans Minority Veterans Native American Veterans Women Veterans Former Prisoners of War Veterans Living Overseas World War II Veterans Indigent Veterans and Unclaimed Remains Transition Transition Home VA TAP Course Catalog Transition Assistance Program (TAP) SkillBridge Warrior Training Advancement Course (WARTAC) Pre-Discharge Claims VA Solid Start FAQs Economic Development Economic Development Home Benefits and Employment Fairs Compensation Compensation Home Types of Compensation Types of Claims Types of Claims Page Post-Service Pre-Discharge Special How to File a Claim Evidence Requirements Evidence Needed Private Medical Evidence Compensation & Pension Exam Effective Dates Fully Developed Claims Benefit Rates Add a Dependent Education & Training Education & Training Home For Students Get Started Get Started Home Apply for Benefits Payment Rates School Locator Principles of Excellence Education Programs Education Programs Home Post-9/11 GI Bill VET TEC 2.0 Montgomery GI Bill Survivors & Dependent Assistance Accelerated Payments Co-Op Training Correspondence Training Entrepreneurship Training Flight Training Institutions of Higher Learning National Call to Service Program Licensing, Certification Tests, Prep Courses National Tests Non-College Degree Programs On-The-Job and Apprenticeship Tuition Assistance Top Up Tutorial Assistance Workstudy STEM For School Administrators About GI Bill Social Media Non-VA Resources Contact Us General Contact Information Regional Processing Offices Veteran Readiness & Employment Veteran Readiness Home Transitioning to Civilian Employment Veteran Readiness Employment Tracks Veteran Employment Resources VetSuccess on Campus (VSOC) Independent Living Eligibility and Entitlement Subsistence Allowance Rates Program Definitions Links and Resources Home Loans VA Home Loans Mortgage Assistance Foreclosure Avoidance Purchase & Cash-Out Refinance Loan Purchase & Cash-Out Refinance Loan Page Eligibility Buying Process Certificate of Eligibility Loan Fee Loan Limits Escape Clause Interest Rate Reduction Refinance Loan Temporary Buydown Native American Direct Loan Specially Adapted Housing (SAH) Specially Adapted Housing (SAH) SAH Assistive Technology Grant SAH Builder Registration Information Appraisers/SARs Appraisers/SARs Page Fee Appraiser Application Appraisal Fees and Timeliness Staff Appraisal Reviewer (SAR) Information SAR Application: LAPP Program Construction and Valuation Lenders Lenders Page Lenders Sample Documents How to Apply for Nonsupervised Automatic Authority Loan Guaranty Monitoring Unit Real Estate Professionals Real Estate Professionals Page Property Management Servicers Servicers Page VALERI (VA Loan Electronic Reporting Interface) VALERI Servicer Newsflash Training Technology Knowledge Center Life Insurance Life Insurance Home Access My Policy Online SGLI: Servicemembers' Group Life Insurance SGLI Program Page SGLI Disability Extension SGLI Online Enrollment System (SOES) VGLI: Veterans' Group Life Insurance VGLI Program Page How Does VGLI Compare to Other Insurance Programs? How Much Life Insurance Do You Really Need? VGLI Premium Rates FSGLI: Family Servicemembers Group Life Insurance TSGLI: SGLI Traumatic Injury Protection Program TSGLI Program Page Schedule of Payments for Traumatic Losses S-DVI: Service-Disabled Veterans Life Insurance VALife: Veterans Affairs Life Insurance VMLI: Veterans' Mortgage Life Insurance Beneficiary Financial Counseling and Online Will Accelerated Benefits Option Other VA Life Insurance Other VA Life Insurance Page Plans of Insurance Veterans' Reopened Insurance Veterans' Special Life Insurance National Service Life Insurance WWII Dividend Payment Options Available Special Dividend Rumor Search for Unclaimed Funds Pension Appeals Modernization Services Services Home Page Beneficiary Financial Counseling Careers and Employment Educational and Vocational Counseling Fiduciary Program Fiduciary Program Home Beneficiary Overview Fiduciary Overview Independent Living Mortgage Delinquency Assistance Private Providers Information Applying for Benefits Applying for Benefits Home Character of Discharge Regional Offices VBA Performance VBA Performance Home Characteristics of Claims Monday Morning Workload Report Appeals Modernization Reporting Annual Benefits Report Attorney Fee Report Media and Publications About VBA SUBSCRIBE TO VA'S MONTHLY BENEFITS NEWSLETTER Enter your contact information to receive our monthly Benefits Bulletin newsletter or to access your subscriber preferences. --> Subscription Type Email SMS/Text Message Wireless Number 1 (US) 1 Email Address VA » Veterans Benefits Administration » VA Home Loans VA Home Loans Are you ready to start the homebuying journey? Learn more about the 1st Step of the Homebuying Process: Obtaining your VA Certificate of Eligibility (COE). We encourage any Veteran struggling with making their VA home loan payments to visit VA help to avoid foreclosures . You may also contact a VA loan technician at 877-827-3702 to receive personalized support. Packed with eligibility information and debunked myths, it’s the ultimate resource. The Quick Reference for Real Estate Professionals is a go-to tool for commonly asked questions about VA home loans. Explore the toolkit, share it, and be a trusted guide for Veterans. Acting Executive Director for the VA Home Loan Program talks with the president of the National Association of REALTORS ® to discuss the VA home loan program Watch Part 1: VA Loans 101 Watch Part 2: Reducing Barriers for VA Borrowers --> Information about VA's policy regarding natural disasters. Learn more » Home Loan Eligibility VA help to avoid foreclosure Check out the Real Estate Professionals VA Home Loan Toolkit VA Policy Regarding Natural Disasters   About Home Loans Benefits Eligibility How to Apply About Home Loans VA helps Veterans, Servicemembers, and eligible surviving spouses become homeowners. As part of our mission to serve you, we 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. Read our guide for buying a home Before you buy, be sure to read the VA Home Loan Buyer's Guide . This guide can help you under the homebuying process and how to make the most of your VA loan benefit.  Download the Buyer's Guide here . Main pillars of the VA home loan benefit No downpayment  required  ( * Note: Lenders may require downpayments for some borrowers using the VA home loan guaranty, but VA does not require a downpayment ) Competitively low interest rates Limited closing costs No need for Private Mortgage Insurance (PMI) The VA home loan is a lifetime benefit : you can use the guaranty multiple times Benefits Purchase Loans Help you purchase a home at a competitive interest rate often without requiring a downpayment or private mortgage insurance. Cash Out Refinance loans allow you to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements. Learn More Interest Rate Reduction Refinance Loan (IRRRL): Also called the Streamline Refinance Loan can help you obtain a lower interest rate by refinancing your existing VA loan. Learn More Native American Direct Loan (NADL) Program: Helps eligible Native American Veterans finance the purchase, construction, or improvement of homes on Federal Trust Land, or reduce the interest rate on a VA loan. Learn More Adapted Housing Grants: Help Veterans with a permanent and total service-connected disability purchase or build an adapted home or to modify an existing home to account for their disability. Learn More *   *   *   *   *    *   *   *    *   * Foreclosure Avoidance Assistance : VA provides financial counseling to help Veterans avoid foreclosure during periods of financial difficulty. Learn More State Resources : Many states offer resources to Veterans, including property tax reductions to certain Veterans. Learn More VA Loan Overview Podcast : Listen to a podcast about the benefits of VA Home Loan program and helpful tips about owning a home. Listen Here --> Eligibility Requirements Your length of service or service commitment, duty status and character of service determine your eligibility for specific home loan benefits. *Eligibility now includes National Guard members with at least 90 days of active service including at least 30 consecutive days under Title 32, Sections 316, 502, 503, 504 or 505. Purchase Loans and Cash-Out Refinance: VA-guaranteed loans are available for homes for your occupancy or a spouse and/or dependent (for active duty service members). To be eligible, you must have satisfactory credit, sufficient income to meet the expected monthly obligations, and a valid Certificate of Eligibility (COE). Learn More Interest Rate Reduction Refinance Loan (IRRRL): The IRRRL is a "VA to VA" loan, meaning it can only be done if you have an existing VA guaranteed loan on the property. The IRRRL is generally performed to lower the interest and reduce the monthly payment on the existing VA guaranteed loan. Learn More Native American Direct Loan (NADL) Program: The NADL program helps Native American Veterans purchase, construct, improve, or re-finance a home on Native American trust lands. Your tribal organization must participate in the VA direct loan program. You must have a valid Certificate of Eligibility (COE). Learn More Adapted Housing Grants: VA helps Veterans with certain total and permanent disabilities related to your military service obtain suitable housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant. Learn More How to Apply Purchase Loan & Cash-Out Refinance: VA loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE through your lender,  VA.gov , or by mail. Learn More Interest Rate Reduction Refinance Loan: A new Certificate of Eligibility (COE) is not required. You may take your Certificate of Eligibility to show the prior use of your entitlement or your lender may use our e-mail confirmation procedure in lieu of a COE. Learn More Native American Direct Loan (NADL) Program: First, confirm that your tribal organization participates in the VA direct loan program. NADL loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE through VA.gov , or by mail. Learn more about the NADL Program Adapted Housing Grants: You can apply for an SAH or SHA grant by either downloading and completing VA Form 26-4555 (PDF) and submitting it to your nearest Regional Loan Center, or completing the online application. Learn more about adapted housing grants      External Link Disclaimer : This page contains links that will take you outside of the Department of Veterans Affairs website. VA does not endorse and is not responsible for the content of the linked websites.   Resources Download the VA Buyer's Guide Home Buying Process for Veterans Native American Direct Loan - Tribal MOU's VA Policy on Natural Disasters Servicemembers Civil Relief Act (SCRA) for borrowers called to active duty Trouble Making Payments Contact a Housing Counselor Home Loan Circulars Technology Knowledge Center Benefits A-Z Federal Benefits for Veterans, Dependents, and Survivors New/Update Military ID Card Congressional Reports Contact Us Contact VA Home Loans CONNECT Veterans Crisis Line: Call: 988 and (Select 1) Social Media Complete Directory EMAIL UPDATES Email Address Required Button to subscribe to email VA HOME Notices Privacy Regulations Web Policies No FEAR Act Site Index USA.gov White House Inspector General QUICK LIST Apply for Benefits Apply for Health Care My Health e Vet Life Insurance Online Applications VA Forms State and Local Resources VA Plans, Budget, & Performance VA Claims Representation RESOURCES Careers at VA Employment Center Veteran Readiness & Employment Homeless Veterans Women Veterans Minority Veterans Plain Language Surviving Spouses & Dependents Adaptive Sports Program ADMINISTRATION Veterans Health Administration Veterans Benefits Administration National Cemetery Administration U.S. Department of Veterans Affairs | 810 Vermont Avenue, NW Washington DC 20420 Last updated November 17, 2025 Get help from Veterans Crisis Line Call 988 (Press 1) Text to 838255 Chat confidentially now Call TTY if you have hearing loss 1-800-799-4889 If you are in crisis or having thoughts of suicide, visit VeteransCrisisLine.net for more resources. 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