Home Loans

VA offers a variety of home loan guarantee programs for Active Duty Service members, Veterans, and National Guard and Reserve members.


  1. Choose the financial institution with which you would like to work.
  2. Provide the institution with your DD214 and inform them that you would like to apply for a home loan.
  3. The institution will then provide you with a Certificate of Eligibility (sometimes called a C.O.E.).
  4. At this point, the financial institution will handle the process for you to receive the loan.

Purchase Loans help you purchase a home at a competitive interest rate often without requiring a downpayment or private mortgage insurance.

Cash Out Refinance loans allow you to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements.


Interest Rate Reduction Refinance Loan (IRRRL)

Also called the Streamline Refinance Loan, an IRRRL can help you obtain a lower interest rate by refinancing your existing VA loan.

Native American Direct Loan (NADL) Program

The NADL Program helps eligible Native American Veterans finance the purchase, construction, or improvement of homes on Federal Trust Land, or reduce the interest rate on a VA loan.

Adapted Housing Grants

These grants help Veterans with a permanent and total service-connected disability purchase or build an adapted home or to modify an existing home to account for their disability.

Purchase Loans and Cash-Out Refinance

VA-guaranteed loans are available for homes for your own personal occupancy. To be eligible, you must have a good credit score, sufficient income, a valid Certificate of Eligibility (COE), and meet certain service requirements.

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