---
title: "VA Home Loans"
url: https://stacklist.com/card/65807bb7-6c5e-4821-9953-00af9abc085c
source_url: "https://www.va.gov/homeloans/"
stack: https://stacklist.com/c/home/stack/dc705dd7-9ff2-421e-a4f9-d1115ba11f61
summary: "VA home loans are government-backed mortgage programs designed to help veterans, service members, and survivors buy, build, improve, or refinance homes with potentially better terms than traditional loans, including options with no down payment. The VA offers multiple loan types, eligibility requirements through a Certificate of Eligibility, and assistance programs for those struggling with mortgage payments."
tags: "va-home-loans, veterans-benefits, mortgage, loan-programs, eligibility, foreclosure-help"
key_entities: "VA (Department of Veterans Affairs) (organization), Certificate of Eligibility (concept), VA direct loan (concept), VA-backed loan (concept), foreclosure prevention (concept)"
classification: "reference"
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acp_version: "0.2"
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# VA Home Loans

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