Apply For A VA Home Loan

When a veteran or active-duty servicemember decides to use a VA-backed home loan to purchase a home, it’s recommended that they contact their lender before they ever sign a contract for a home so they can receive pre-approval. When a buyer attempts to obtain a VA loan, their sales contract should include a financing contingency which stipulates that the contract is subject to financing approval for the VA loan. The lender will verify and review the applicant’s job and credit history, in comparison to the VA loan approval guidelines and then the lender will either approve or deny financing.

In order to begin the process for preapproval, veterans and eligible servicemembers can complete the application below. The VA Home Loan Centers can not only help veterans and servicemembers complete their financing application, but representatives can also help individuals obtain the required documentation to receive a VA home loan, such as the Certificate of Eligibility.

Apply For $0 Down Home Loan

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Those people eligible to receive a VA home loan include veterans, active-duty military members, a surviving spouse and in some cases even a civilian. National Guard and members of the Reserves must have completed at least six years before they can apply for a VA loan, and those people that completed less than six years of service may be eligible if they were discharged because of a service-connected disability. Retired veterans are required to have served at least 181 days, or 90 days of service during the Gulf War. Retired veterans are also required to have an honorable discharge, but for those veterans that served less than 90 days, they may still be eligible for a VA loan if they were discharged because of a service-connected disability.

For more details on eligibility requirements, visit the VA Home Loan Centers eligibility page.

Purchase and Refinance VA Home Loans

A VA purchase loan allows veterans, servicemembers and surviving spouses the opportunity to purchase a home at a competitive interest rate, with zero money down. It’s also the ideal option for individuals who have had difficulty finding other sources of financing to purchase a home.

A VA cash-out refinance loan is used by homeowners who wish to take cash out of their home’s equity in order to fund other things, such as educational expenses or to make improvements to a home. It’s also possible for borrowers to refinance a non-VA home loan into a VA loan, and the VA will guaranty up to 100% of the value of the borrower’s home.

When a veteran or active-duty servicemember opts to take advantage of an interest rate reduction refinance loan, they’re able to lower their interest rate by refinancing their existing VA loan, thereby reducing monthly mortgage payments. When using an interest rate reduction refinance loan, there’s no out-of-pocket cost to the borrower and a qualified lender processes the application.

When comparing the VA streamline refinancing option with the cash-out option, the primary difference lies in the maximum loan to value (LTV). The VA cash-out refinancing option has a maximum LTV of 100%, whereas with VA streamline refinancing, there is no maximum LTV, since an appraisal isn’t required to complete a VA streamline refinance. With a cash-out refinance, an appraisal is generally required.

Maximum Loan Amounts

The maximum amount of a VA home loan a borrower may qualify for is based on a combination of their unique situation, as well as the location in which they’re planning to purchase or refinance a home. For more information, individuals can visit the VA Home Loan Centers state-by-state information, and they can also contact a representative from the company, to determine eligibility, loan limits, appraisal fees and funding fees.