Loan Program
VA Loans
VA loans are guaranteed in part by the U.S. Department of Veterans Affairs and are available to eligible active-duty service members, veterans, and certain surviving spouses.
Who it may be appropriate for
- Eligible active-duty service members
- Veterans with qualifying service
- Certain surviving spouses
Potential benefits
- No monthly mortgage insurance requirement
- Financing options that may not require a down payment for eligible borrowers
- Competitive structures for eligible service members
Important considerations
- A VA funding fee may apply
- Eligibility must be documented with a Certificate of Eligibility
- Property must meet VA appraisal requirements
General qualification factors
- Service eligibility
- Certificate of Eligibility
- Credit and residual income review
- Property appraisal
Frequently asked questions
Program information is general in nature and is not a commitment to lend, an offer of credit, or a guarantee of eligibility, rates, or terms. All loans are subject to application, underwriting review, and program guidelines.
Next steps
Ready to Take the Next Step?
Whether you’re buying, refinancing, or exploring your options, we’re here to help you understand the path forward.