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Advantages of VA loans

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No money down

VA loans are available at a 0% down payment

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Competitive interest rates

VA mortgage rates are among the lowest on the market

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Easier to qualify

Since VA loans are guaranteed by the government, lenders are able to offer attractive terms

Am I eligible?

According to the VA, “Your length of service or service commitment, duty status and character of service determine your eligibility for specific home loan benefits". VA mortgage borrowers must have good credit, income sufficient to cover the cost of their monthly mortgage payments and a "Certificate of Eligibility."

The first step in establishing your eligibility is to complete VA Form 26-1880, “Request for a Certificate of Eligibility." This form can be completed online, printed and mailed, or you can apply through a VA mortgage lender. For more information on eligibility, click here.

You qualify for a VA loan if you have or are:

  • 90 days of consecutive service during wartime, or
  • 6 years of service in the National Guard or reserves
  • 181 days of service during peacetime, or
  • A surviving spouses

For more information: http://www.benefits.va.gov/homeloans/

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Frequently asked questions

How many times can I use my VA home loan?

How many times can I use my VA home loan?

Once the loan has been paid in full, there are no restrictions on the use of the paid-off property -- it can be turned into a rental property or second home, for example. However, the new property purchased with the VA-backed loan has to meet occupancy and other requirements.

Is a bankruptcy preventing my VA eligibility?

Is a bankruptcy preventing my VA eligibility?

In your case, it most likely is to make certain that the appropriate time has elapsed since the discharge of your bankruptcy and that your former mortgage debt was properly included in your filing. You will also have needed to re-establish appropriate credit and more.

Can I use a VA mortgage to purchase investment properties?

Can I use a VA mortgage to purchase investment properties?

The answer is "probably not," or at least "not directly or immediately."

I’m in the National Guard, am I eligible for VA benefits?

I’m in the National Guard, am I eligible for VA benefits?

Yes. National Guard and Reserve members may qualify for a VA home loan. According to VA.gov, National Guard and Reserve members must meet one of the following conditions...

Additional information about VA loans

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