Understanding the VA Loan
VA loans are provided by private lenders, with the VA guaranteeing a portion of the loan. This allows lenders to offer better terms.
How to Buy a Home with VA
Get Your COE
Apply for your Certificate of Eligibility on VA.gov to prove you qualify for the benefit
Review Finances
Check your credit, income, and budget to determine how much home you can afford
Choose a Lender
Shop around for VA-approved lenders to compare rates and fees
Find Your Home
Work with a real estate agent to find a home that meets VA's minimum property requirements
Close & Move In
Complete the appraisal, review closing documents, and get the keys to your new home
Primary Draw Backs & Land Mines
The VA loan is one of the best benefits available to veterans — but it is not perfect. Understanding these pitfalls before you buy can save you thousands and protect your entitlement.
VA Loan Calculator
Compare VA, FHA, and conventional loans side-by-side to see how the VA benefit stacks up.
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You & The Property
VA allows 0% down
FHA minimum 3.5%
Conv. requires PMI below 20%
Loan Details
10%+ = No funding fee
Your Finances
Expected annual home value growth
How long you plan to own
VA Loan FAQ
Common questions about VA home loans based on the official VA Buyers Guide
For more information, contact the VA at 1-877-827-3702 or visit benefits.va.gov/homeloans