Potential zero-down purchase options
Eligible borrowers may be able to finance a qualifying home without a down payment. Entitlement, lender, property and underwriting requirements apply.
VA Home Loan Information
Explore Your VA Home Loan Options
Eligible veterans, active-duty service members and qualifying surviving spouses may have access to VA-backed purchase or refinance options.
Request More Information
Share a few details to request contact from a mortgage professional.
This request is not a loan application or approval. See our Privacy Policy for information about how submitted information is handled.
- Purchase and refinance options
- Potential zero-down options for eligible borrowers
- Guidance from a mortgage professional
Information only. Eligibility and loan approval are not guaranteed.
Potential benefits
Understand what a VA-backed loan may offer
Benefits vary, and every borrower and property must meet applicable program and lender requirements.
No monthly private mortgage insurance
VA-backed loans generally do not require monthly private mortgage insurance. A VA funding fee and other loan costs may still apply.
Competitive loan options
Participating lenders set their own rates and terms. A mortgage professional can help you review the options available for your circumstances.
Purchase and refinance programs
VA-backed programs may support an eligible home purchase, a streamlined refinance of an existing VA loan or a cash-out refinance.
Eligibility and document guidance
Get help understanding common eligibility, occupancy and documentation requirements before completing a formal loan application.
No guaranteed eligibility or approval. Loan approval, costs and terms depend on a complete application, supporting documentation and applicable underwriting requirements.
VA loan options
Purchase and refinance programs
Review these common VA-backed programs, then speak with a mortgage professional about your situation.
VA Purchase Loan
A VA-backed purchase loan may help an eligible borrower buy a primary residence. Approval depends on VA eligibility, available entitlement, credit, income, property eligibility and the lender’s underwriting requirements.
VA Interest Rate Reduction Refinance Loan
An IRRRL may let a borrower with an existing VA-backed loan refinance into different terms. Program benefit, seasoning, fee and lender requirements apply, and an IRRRL is not a cash-out program.
VA Cash-Out Refinance
A VA cash-out refinance may replace a qualifying mortgage and may allow access to home equity. Appraisal, occupancy, credit, loan-to-value, closing-cost and underwriting requirements apply. Borrowing equity reduces the equity retained in the home.
What to expect
A straightforward information process
- 01
Submit information
Share basic details through the secure request form below. This initial step is not a loan application.
- 02
Speak with a mortgage professional
A qualified mortgage professional can discuss your goals and explain relevant program requirements.
- 03
Review eligibility and options
Your eligibility, financial circumstances and available loan options can then be reviewed.
- 04
Complete an application
If you choose to continue, complete the appropriate loan application and provide requested documentation.
Frequently asked questions
VA home loan basics
Who may qualify for a VA loan?
VA-backed loans are generally available to eligible veterans, active-duty service members, certain members of the National Guard and Reserves, and some qualifying surviving spouses. The Department of Veterans Affairs determines program eligibility, and lender approval requirements also apply.
Can a VA loan be used to purchase a home?
Yes. An eligible borrower may use a VA-backed purchase loan for a qualifying primary residence. Property, occupancy, entitlement, credit, income and underwriting requirements apply.
Are refinance options available?
Potentially. An IRRRL is designed for certain existing VA-backed loans, while a VA cash-out refinance may be available for a qualifying mortgage. Each program has different eligibility, documentation, cost and underwriting requirements.
Does submitting this form guarantee approval?
No. Submitting the form only requests contact and information. It is not a loan application, prequalification, preapproval, commitment to lend or guarantee of any loan terms or approval.