VA Home Loan Learning Center

 

general information

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General info

The VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of their mission to serve you, the VA provides a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

You will still need to have the required credit and income for the loan amount you want to borrow, but a VA home loan typically offers better terms than a traditional loan from a private bank, mortgage company, or credit union. For example, nearly 90% of VA-backed loans are made with no down payment, and...

Beginning January 1, 2020, the VA completely eliminated the county cap on VA-backed, no-down-payment loans

The first step in the VA loan process is to shop around for a lender. We make the process easy by matching you with the right lenders for rate quotes - no obligations or credit checks required.

Persons who may qualify for VA-guaranteed loans include:

  • Veterans 

  • Certain Reserve and National Guard Members who were activated*

  • Active-duty Servicemembers 

  • Current Reserve and Guard members after six years of creditable service

  • Certain surviving spouses

  • Commissioned Officers of the PHS

  • Commissioned Officers of NOAA

 

*National Guard and Reservists are eligible if they were "activated" under the authority of Title 10 or Title 32 U.S. Code. Those with Title 32 service must have at least 30 days continuous active service.

However, you are not eligible for VA financing solely based upon Active Duty for Training in the Reserves or National Guard.


The following length-of-service requirements apply, in most cases:

Service Dates

Korean War

June 27, 1950, and January 31, 1955

Minimum Active-Duty Service Requirement

  • 90 total days, or

  • Less than 90 days if you were discharged for a service-connected disability

Post-Korean War

February 1, 1955, and August 4, 1964

  • 181 continuous days, or

  • Less than 181 days if you were discharged for a service-connected disability

Vietnam War

August 5, 1964, and May 7, 1975

Or if you served in the Republic of Vietnam
February 28, 1961, to May 7, 1975

  • 90 total days, or

  • Less than 90 days if you were discharged for a service-connected disability

Post-Vietnam War

May 8, 1975, and September 7, 1980

 

Or if you served as an officer
Between May 8, 1975, and October 16, 1981

  • 181 continuous days, or

  • Less than 181 days if you were discharged for a service-connected disability

September 8, 1980, and August 1, 1990, 

 

Or if you served as an officer
Between October 17, 1981, and August 1, 1990

  • 24 continuous months, or

  • The full period (at least 181 days) for which you were called to active duty

Gulf War to present

August 2, 1990, onwards

  • 24 continuous months, or

  • The full period (at least 90 days) for which you were called or ordered to active duty, or

  • At least 90 days if you were discharged for a hardship, a reduction in force, or for convenience of the government, or

  • Less than 90 days if you were discharged for a service-connected disability

You separated from service after September 7, 1980 onwards

 

Or after if you served as an officer

October 16, 1981 onwards

  • 24 continuous months, or

  • The full period (at least 181 days) for which you were called or ordered to active duty, or

  • At least 181 days if you were discharged for a hardship, a reduction in force, or for convenience of the government, or

  • Less than 181 days if you were discharged for a service-connected disability

I'm on active duty now

  • 90 continuous days

You are not eligible for VA financing solely based upon Active Duty for Training in the Reserves or National Guard.

Note: Guard and Reservists are eligible if they were "activated" under the authority of Title 10 or Title 32 U.S. Code. Those with Title 32 service must have at least 30 days continuous active service.

Regional Loan Centers

For Veterans or Servicemembers who have a VA-guaranteed conventional or sub-prime loan, the Department of Veterans Affairs (VA) has a network of eight Regional Loan Centers that can offer advice and guidance during times of financial hardship.

Borrowers may visit their regional office, or call toll free -1-877-827-3702 to speak with a VA Loan Technician. However, if a Veteran does not have a VA-guaranteed home loan, the VA does not have the authority to intervene on the borrower's behalf. It is imperative that you contact your mortgage servicer as quickly as possible when faced with financial hardship.

If you have questions about the VA Home Loan, housing grants, or whether you may qualify for a VA Home Loan, you may contact a VA Home Loan Representative by calling 1-877-827-3702.

 

The VA Home Loan's toll-free number operates Monday - Friday, from 8:00am to 6:00pm EST.

Alternatively, you may contact the applicable regional office via the email, phone, or mailing address listed below.

You can also contact GI Joe Homes for help or questions regarding the VA home loan by calling 1-650-400-7330.

 

GI Joe Homes is open seven days a week, from 8:00am to 6:00pm PST.

VA Regional loan centers

Residential area surrounding Camp Parks.

Phoenix

Physical & Mailing Address

Dept. of Veterans Affairs

VA Regional Loan Center

3333 N. Central Avenue

Phoenix, AZ 85012-2402

Construction & Valuation

CVGC.VBAPHO@va.gov

Loan Production
LPGC.VBAPHO@va.gov

General Inquiries

LSCGC.VBAPHO@va.gov

Denver

Physical Address

VA Regional Loan Center

155 Van Gordon Street
Lakewood, CO 80228

Mailing Address
Box 25126
Denver, CO 80225

Construction & Valuation
39VA262.VBADEN@va.gov

 

Loan Production

LGYEMAIL@va.gov

St. Paul

Physical & Mailing Address
Dept. of Veterans Affairs
VA Regional Loan Center
1 Federal Drive,
Ft. Snelling
St. Paul, MN 55111-4050

Construction & Valuation
Email: CV335@va.gov

 

Loan Production
Email: RLC335@va.gov

 

General Inquiries

rlc.vbaspl@va.gov

Houston

Physical & Mailing Address

Dept. of Veterans Affairs
VA Regional Loan Center
6900 Almeda Road
Houston, TX 77030-4200

Construction & Valuation
CV62.VBAHOU@va.gov

Loan Production
HOUSTONLGY@va.gov

St. Petersburg

Physical & Mailing Address

Dept. of Veterans Affairs

VA Regional Loan Center
9500 Bay Pines Blvd.
St. Petersburg, FL 33744

Construction & Valuation

vastaffappraisers@va.gov

Loan Production
homeloan.vbaspt@va.gov

Atlanta

Physical Address
Dept. of Veterans Affairs
VA Regional Loan Center
1700 Clairmont Rd.
Decatur, GA 30033-4032

Mailing Address
P.O. Box 100023
Decatur, GA 30031-7023

Construction & Valuation
316LGYCNV@VA.GOV

 

Loan Production
ATLLOANPROD@va.gov

Roanoke

Address
Dept. of Veterans Affairs
VA Regional Loan Center
210 Franklin Road, S.W.
Roanoke, VA 24011

Construction & Valuation
CV.VBAROA@va.gov

Loan Production
ROANOKE.LP@va.gov

Cleveland

Address
Dept. of Veterans Affairs
VA Regional Loan Center
1240 East Ninth Street
Cleveland, OH 44199

Construction & Valuation
325CNV@va.gov

Loan Production
VAHOMESITE@va.gov​

benefits

Eligibility

Your length of service or service commitment, duty status and character of service determine your eligibility for specific home loan benefits.

Can I get a Certificate of Eligibility for a VA direct or VA-backed home loan?

You may be able to get a COE if you didn’t receive a dishonorable discharge and you meet the minimum active-duty service requirement based on when you served.

loan types

Purchase Loans and Cash-Out Refinances

VA-guaranteed loans are available for homes for your occupancy or a spouse and/or dependent (for active duty service members). To be eligible, you must have satisfactory credit, sufficient income to meet the expected monthly obligations, and a valid Certificate of Eligibility (COE).

Interest Rate Reduction Refinance Loan (IRRRL)

The IRRRL is a "VA to VA" loan, meaning it can only be done if you have an existing VA guaranteed loan on the property. The IRRRL is generally performed to lower the interest and reduce the monthly payment on the existing VA guaranteed loan.

Native American Direct Loan Program

The NADL program helps Native American Veterans purchase, construct, improve, or re-finance a home on Native American trust lands. Your tribal organization must participate in the VA direct loan program. You must have a valid Certificate of Eligibility (COE).

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Adapted Housing Grants

VA helps Veterans with certain total and permanent disabilities related to your military service obtain suitable housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant.

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Native American Direct Loan Program

To get a VA-backed home loan as the surviving spouse of a Veteran, you’ll need a Certificate of Eligibility (COE) to show your lender that you qualify for this benefit. Keep in mind that you’ll also need to meet your lender’s credit and income requirements to get a loan. Find out if you can get a COE.

disability housing grants

When you hire a good real estate agent, you're not just hiring them for their abilities, you're also hiring them for their professional network. Top agents keep in constant contact, and frequently notify each other of homes before they enter the market. These are called off-market opportunities and having access to these homes is a tremendous benefit to you, the buyer.

resources

When you hire a good real estate agent, you're not just hiring them for their abilities, you're also hiring them for their professional network. Top agents keep in constant contact, and frequently notify each other of homes before they enter the market. These are called off-market opportunities and having access to these homes is a tremendous benefit to you, the buyer.

comparisons

Why get a VA loan over other types?

Simply put, a VA Home loan allows qualified buyers the opportunity to purchase a home with no down payment. Also, there are no monthly mortgage insurance premiums to pay, limitations on buyer's closing costs, and an appraisal that informs the buyer of the property value. For most loans on new houses, construction is inspected at appropriate stages and a one year warranty is required from the builder. VA also performs personal loan servicing and offers financial counseling to help veterans  having temporary financial difficulties.

applying

When you hire a good real estate agent, you're not just hiring them for their abilities, you're also hiring them for their professional network. Top agents keep in constant contact, and frequently notify each other of homes before they enter the market. These are called off-market opportunities and having access to these homes is a tremendous benefit to you, the buyer.

is the va home loan right for you?

When you hire a good real estate agent, you're not just hiring them for their abilities, you're also hiring them for their professional network. Top agents keep in constant contact, and frequently notify each other of homes before they enter the market. These are called off-market opportunities and having access to these homes is a tremendous benefit to you, the buyer.

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