The Complete Guide to VA Home Loans
No down payment. No PMI. Competitive rates. Your earned benefit, explained.
24M+
Veterans Eligible
$0
Down Payment
#1
Mortgage Benefit
Why Choose a VA Loan?
$0 Down Payment
Finance 100% of your home — no cash upfront required.
No PMI
Skip the private mortgage insurance that adds hundreds to other loans.
Lower Rates
VA-backed loans consistently beat conventional mortgage rates.
Flexible Credit
More lenient credit requirements because the VA guarantees the loan.
Reusable Benefit
Pay off one VA loan and your entitlement is restored for the next.
No Prepayment Penalty
Pay extra or pay it off early — no fees, ever.
Compare Today's VA Mortgage Rates
No down payment. No PMI. Competitive rates. VA loans are one of the most powerful home-buying benefits available to veterans and service members.
Who Qualifies?
VA loan eligibility is based on service history and discharge status:
Active Duty Veterans
90+ days wartime or 181+ days peacetime
National Guard / Reserves
6 years of service or 90 days active duty (Title 10)
Currently Serving
90+ continuous days of active duty
Surviving Spouses
Unremarried spouse of veteran who died in or from service
Discharge must be other than dishonorable. Verify at va.gov
Get Your Certificate of Eligibility
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Quick Links
Not Sure if You Qualify?
Answer 10 questions to see which VA benefits you're eligible for — including home loans.
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