VA Home Loan Learning Center
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eligibility
eligibility
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VA Home Loans
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Certificate of Eligibility​
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Discharge Requirements
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Qualifying Debt Ratio Requirements
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VA Funding Fee and Loan Limit
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Allowable Property Types
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Entitlement Restoration
- Types of VA Home Loans
- ​Purchase Loans​
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Native American Direct Loan Program (NADL)
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Interest Rate Reduce Refinance Loan (IRRRL)
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Cash-out Refinance Loan
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Conventional Loans
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Employment and Income​
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Beginning January 1, 2020, the VA completely eliminated the county cap on VA-backed, no-down-payment loans
Phoenix
Physical & Mailing Address
Dept. of Veterans Affairs
VA Regional Loan Center
3333 N. Central Avenue
Phoenix, AZ 85012-2402
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Construction & Valuation
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Loan Production
LPGC.VBAPHO@va.gov
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General Inquiries
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Denver
Physical Address
VA Regional Loan Center
155 Van Gordon Street
Lakewood, CO 80228
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Mailing Address
Box 25126
Denver, CO 80225
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Construction & Valuation
39VA262.VBADEN@va.gov
Loan Production
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St. Paul
Physical & Mailing Address
Dept. of Veterans Affairs
VA Regional Loan Center
1 Federal Drive,
Ft. Snelling
St. Paul, MN 55111-4050
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Construction & Valuation
Email: CV335@va.gov
Loan Production
Email: RLC335@va.gov
General Inquiries
va home loans
The VA home loan is arguably the best mortgage product on the market today. This type of home loan is only available to eligible veterans, active duty service members, and surviving spouses of the U.S. military.
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The Veteran’s Administration does not issue the loan, but rather backs them so that lenders can offer more lenient guidelines to veterans. Because of this backing, private lenders can make loans per VA guidelines, without some of the requirements of other loan programs.
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Here are a few things that set VA home loans apart:
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No down payment required
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No monthly mortgage insurance
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Lower closing costs
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The seller can pay for all closing costs in most cases
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Lenient credit guidelines
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So how does someone go about getting a VA home loan? First you have to prove you are eligible.
certificate of eligibility
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discharge requirements
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debt ratio requirements
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va funding fee & loan limit
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allowable property types
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entitlement restoration
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