---
title: "VA Home Loans: Benefits and Eligibility for Veterans"
url: https://stacklist.com/card/14a3c010-9acd-4943-8f27-4122819979b2
source_url: "https://www.va.gov/housing-assistance/home-loans/"
stack: https://stacklist.com/c/home/stack/4bcab8e0-6991-4abf-a6fc-37430b4e8676
summary: "VA-backed and VA direct home loans help Veterans, service members, and survivors buy, build, improve, or refinance homes, with benefits such as no down payment on nearly 90% of VA-backed loans. The guide covers loan types, eligibility requirements, Certificate of Eligibility (COE) requests, and foreclosure avoidance resources for Jacksonville homebuyers."
tags: "va-loan, veterans, home-loan, mortgage, refinance, eligibility, foreclosure-prevention"
key_entities: "U.S. Department of Veterans Affairs (organization), VA home loan (concept), Certificate of Eligibility (concept), VA-backed loan (concept), VA direct loan (concept), Jacksonville (location), foreclosure prevention (concept)"
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---

# VA Home Loans: Benefits and Eligibility for Veterans

VA-backed Veterans home loans VA direct and VA-backed Veterans home loans can help Veterans, service members, and their survivors to buy, build, improve, or refinance a home. You’ll still need to have the required credit and income for the loan amount you want to borrow. But a Veterans home loan may offer better terms than with a traditional loan from a private bank, mortgage company, or credit union. For example, nearly 90% of VA-backed loans are made with no down payment. Learn about our different loan programs—and how to apply. VA home loan types We offer VA home loan programs to help you buy, build, or improve a home or refinance your current home loan—including a VA direct loan and 3 VA-backed loans. Learn about the types of VA home loans and how they work Eligibility  Find out if you can get a Certificate of Eligibility (COE) to show your lender that you qualify for a VA direct or VA-backed home loan based on your service history and duty status. Find out if you can get a COE How to request a COE Find out how to request a COE—and what to do next to get a VA direct or VA-backed home loan. Learn how to request a VA home loan COE Trouble making payments? Get help to avoid foreclosure if you’re struggling to make your monthly mortgage payments. Learn about how we can help you avoid foreclosure Last updated: December 17, 2024