{"version":"1.0","type":"card","id":"168545f9-ed46-472e-a6fe-ce46312ede2f","url":"https://stacklist.com/card/168545f9-ed46-472e-a6fe-ce46312ede2f","title":"VA Loan vs. Conventional Loan: Which Makes Sense for Your Jacksonville-Area Move?","source_url":"https://www.va.gov/housing-assistance/home-loans/loan-types/","note":"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. You can use these programs to buy a home or refinance a home loan only within the U.S. and its territories, including Puerto Rico and the Northern Mariana Islands. Learn more about the different programs, and find out if you can get a Certificate of Eligibility for a loan that meets your needs.\n","image":{"url":"https://ucarecdn.com/747fe5fa-ea99-4e24-b2ce-d8f1920831e2/","alt":"VA Loan vs. Conventional Loan: Which Makes Sense for Your Jacksonville-Area Move?","width":1707,"height":1280},"stack":{"id":"263b4b2a-ba83-4d78-a444-744cf96898f2","title":"Military Relocation: Northeast Florida","url":"https://stacklist.com/c/home/stack/263b4b2a-ba83-4d78-a444-744cf96898f2"},"created_at":"2026-07-17T18:49:56.061Z","updated_at":null,"aco":{"summary":"VA home loan types include VA direct loans and VA-backed loans to help veterans buy, build, improve, or refinance homes within the U.S. and its territories. These programs offer better terms than private lenders, with nearly 90% of VA-backed loans made without a down payment.","tags":["va-loans","home-financing","veteran-benefits","mortgage-programs","loan-types","housing-assistance"],"key_entities":[{"name":"VA (Department of Veterans Affairs)","type":"organization","confidence":0.95},{"name":"VA direct loan","type":"concept","confidence":0.92},{"name":"VA-backed home loan","type":"concept","confidence":0.92},{"name":"Native American Direct Loan (NADL)","type":"concept","confidence":0.9},{"name":"VA-backed IRRRL (Interest Rate Reduction Refinance Loan)","type":"concept","confidence":0.88},{"name":"cash-out refinance loan","type":"concept","confidence":0.85},{"name":"United States and territories","type":"location","confidence":0.9},{"name":"Puerto Rico","type":"location","confidence":0.85},{"name":"Northern Mariana Islands","type":"location","confidence":0.85}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-07-17T18:50:07.264Z"},"token_counts":{"approximate":602,"cl100k":515},"content_hash":"sha256:2d8e2439472bdc28e07ebe88423eec69faa8d33ebca36cb8792b4d954514f7dc","acp_version":"0.2","body_available":true,"body_tokens":602,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/168545f9-ed46-472e-a6fe-ce46312ede2f.json","html":"https://stacklist.com/card/168545f9-ed46-472e-a6fe-ce46312ede2f","md":"/api/public/card/168545f9-ed46-472e-a6fe-ce46312ede2f.md","stack_json":"/api/public/stack/263b4b2a-ba83-4d78-a444-744cf96898f2.json"}}