{"id":2071,"date":"2022-03-03T08:00:00","date_gmt":"2022-03-03T13:00:00","guid":{"rendered":"https:\/\/blog.veteransloans.com\/?p=2071"},"modified":"2025-12-19T10:05:20","modified_gmt":"2025-12-19T16:05:20","slug":"what-is-a-va-loan","status":"publish","type":"post","link":"https:\/\/www.veteransloans.com\/resources\/what-is-a-va-loan\/","title":{"rendered":"What is a VA Loan?"},"content":{"rendered":"[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;http:\/\/173.255.228.252\/resources\/wp-content\/uploads\/2022\/03\/Blog-Background-What-is-a-VA-Loan-scaled.jpg&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;252px&#8221; height=&#8221;100%&#8221; custom_margin=&#8221;0px|0px|0px|0px|false|false&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_post_title _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|700||on|||||&#8221; title_text_align=&#8221;center&#8221; title_font_size=&#8221;32px&#8221; meta_text_align=&#8221;center&#8221; background_color=&#8221;#FFFFFF&#8221; background_enable_image=&#8221;off&#8221; height=&#8221;100px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;100px|15px|100px|1px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; module_alignment=&#8221;center&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]\n<p>A VA loan is a mortgage issued by private lenders and guaranteed by the <a href=\"https:\/\/www.benefits.va.gov\/homeloans\/\">U.S. Department of Veterans Affairs<\/a>. This type of loan has no down payment requirement, competitively low-interest rates, limited closing costs, and no need for Private Mortgage Insurance (PMI). The VA home loan is also a lifetime benefit, which means you can use the VA guaranty multiple times.<\/p>\n<p>The VA guaranty means if a borrower can no longer afford their mortgage payments, the US government will reimburse the lender for a certain percentage of the borrowed amount. This decreases the risk for the borrower and allows lenders to provide positive terms and no down payment.<\/p>\n<h2>Who Qualifies for a VA Loan?<\/h2>\n<p>You likely <a href=\"https:\/\/www.veteransloans.com\/va-loan-eligibility-requirements\">qualify for a VA mortgage<\/a> if you are one of the following:<\/p>\n<ul>\n<li>Active-duty military member<\/li>\n<li>Veteran<\/li>\n<li>Surviving spouse of a service member who died in active duty<\/li>\n<li>Surviving spouse of a service member who died from a service-connected disability<\/li>\n<li>Spouse of a prisoner of war<\/li>\n<li>Spouse of a service member missing in action<\/li>\n<\/ul>\n<p>All active-duty military members and veterans must meet length-of-service requirements to qualify. Surviving spouses of service members who died in active-duty military or from service-related disabilities must not be remarried or must have remarried after the age of 57 or after December 16, 2003.<\/p>\n<p>Additional qualifications include meeting the lender\u2019s requirements for credit and income and making sure the property you are purchasing meets all the VA safety standards and building codes requirements.<\/p>\n<h2>Types of VA Loans<\/h2>\n<p>There are actually multiple types of VA loans:<\/p>\n<h4>VA Purchase Mortgage<\/h4>\n<p>This is loan is for home purchases and requires no minimum down payment.<\/p>\n<h4>VA Cash-Out Refinance<\/h4>\n<p>This loan can replace a VA loan or a conventional mortgage loan and can also turn homeowners\u2019 home equity into cash.<\/p>\n<h4>VA Streamline Refinance<\/h4>\n<p>Also known as a VA Interest Rate Reduction Refinance Loan (IRRRL), this loan replaces a VA mortgage with another VA loan to lower the interest rate or to refinance from an adjustable to a fixed rate.<\/p>\n<h4>VA Rehab and Renovation Loan<\/h4>\n<p>This loan provides financing for the cost of home improvements.<\/p>\n<h4>Native American Direct Loan (NADL)<\/h4>\n<p>A NADL loan helps eligible Native American veterans purchase, construct, renovate, or refinance a home on federal trust land.<\/p>\n<h2>How To Apply for a VA Loan<\/h2>\n<p>To apply for a VA loan, you first need to retrieve a Certificate of Eligibility from the VA. This certificate verifies that your military service meets all the VA requirements. A VA-approved lender can get this document from the VA for you. You can also have this certificate sent to you by the VA directly online or by mail.<\/p>\n<p>After verifying your eligibility, you need to find the right mortgage lender. Your mortgage lender will need to be VA-approved. And finally, you will need to shop for a home and sign a purchase document! This home will need to meet the property requirements specified by the VA to guarantee that it is safe, clean, and structurally sound.<\/p>\n<h2>Contact a Loan Specialist<\/h2>\n<p>Ultimately the best way to determine if you qualify is to speak with a loan specialist from a VA-approved lender. Our loan specialists at <a href=\"https:\/\/veteransloans.com\">VeteransLoans.com<\/a> can answer all of your questions and help you verify your eligibility status. Call <a href=\"tel:8882321428\">1 (888) 232-1428<\/a> to speak with a loan specialist today!<\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>A VA loan is a mortgage issued by private lenders and guaranteed by the U.S. Department of Veterans Affairs. This type of loan has no down payment requirement, competitively low-interest rates, limited closing costs, and no need for Private Mortgage Insurance (PMI). The VA home loan is also a lifetime benefit, which means you can [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2072,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<p>A VA loan is a mortgage issued by private lenders and guaranteed by the <a href=\"https:\/\/www.benefits.va.gov\/homeloans\/\">U.S. Department of Veterans Affairs<\/a>. This type of loan does not require a downpayment, competitively low-interest rates, limited closing costs, and no need for Private Mortgage Insurance (PMI). The VA home loan is also a lifetime benefit, which means you can use the VA guaranty multiple times.<\/p><p>The VA guaranty means if a borrower can no longer afford their mortgage payments, the US government will reimburse the lender for a certain percentage of the borrowed amount. This decreases the risk for the borrower and allows lenders to provide positive terms and no down payment.<\/p><h2>Who Qualifies for a VA Loan?<\/h2><p>You likely <a href=\"http:\/\/173.255.228.252\/resources\/qualify-for-a-va-loan\/\">qualify for a VA mortgage<\/a> if you are one of the following:<\/p><ul><li>Active-duty military member<\/li><li>Veteran<\/li><li>Surviving spouse of a service member who died in active duty<\/li><li>Surviving spouse of a service member who died from a service-connected disability<\/li><li>Spouse of a prisoner of war<\/li><li>Spouse of a service member missing in action<\/li><\/ul><p>All active-duty military members and veterans must meet length-of-service requirements to qualify for a VA loan. Surviving spouses of service members who died in active-duty military or from service-related disabilities must not be remarried or must have remarried after the age of 57 or after December 16, 2003.<\/p><p>Additional qualifications include meeting the lender\u2019s requirements for credit and income and making sure the property you are purchasing meets all the VA safety standards and building codes requirements.<\/p><h2>Types of VA Loans<\/h2><p>There are several types of VA loans.<\/p><h4>VA Purchase Mortgage<\/h4><p>This is loan is for home purchases and requires no minimum down payment.<\/p><h4>VA Cash-Out Refinance<\/h4><p>This loan can replace a VA loan or a conventional mortgage loan with a VA loan and can also turn homeowners\u2019 home equity into cash.<\/p><h4>VA Streamline Refinance<\/h4><p>Also known as a VA Interest Rate Reduction Refinance Loan (IRRRL), this loan replaces a VA mortgage with another VA loan to lower the interest rate or to refinance from an adjustable to a fixed rate.<\/p><h4>VA Rehab and Renovation Loan<\/h4><p>This loan provides financing for the cost of home improvements.<\/p><h4>Native American Direct Loan (NADL)<\/h4><p>A NADL loan helps eligible Native American veterans purchase, construct, renovate, or refinance a home on federal trust land.<\/p><h2>How To Apply for a VA Loan<\/h2><p>To apply for a VA loan, you first need to retrieve a Certificate of Eligibility from the VA. This certificate verifies that your military service meets all the VA requirements. A VA-approved lender can get this document from the VA for you. You can also have this certificate sent to you by the VA directly online or by mail.<\/p><p>After verifying your VA loan eligibility, you need to find the right mortgage lender. Your mortgage lender will need to be VA-approved. And finally, you will need to shop for a home and sign a purchase document! This home will need to meet the property requirements specified by the VA to guarantee that it is safe, clean, and structurally sound.<\/p><h2>Contact a Loan Specialist<\/h2><p>Ultimately the best way to determine if you qualify is to speak with a loan specialist from a VA-approved lender. Our loan specialists at <a href=\"https:\/\/veteransloans.com\">VeteransLoans.com<\/a> can answer all of your questions and help you verify your eligibility status for a VA loan. Call <a href=\"tel:8882321428\">1 (888) 232-1428<\/a> to speak with a loan specialist today! <\/p>","_et_gb_content_width":"","footnotes":""},"categories":[31,10,11,38],"tags":[],"class_list":["post-2071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education","category-financial","category-military-vets","category-va-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is a VA Loan? - VeteransLoans.com Articles<\/title>\n<meta name=\"description\" content=\"Read more about What is a VA Loan?. 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