A VA Loan is a mortgage option provided by private lenders, that is guaranteed by the U.S. Department of Veterans Affairs (VA), and is available to military veterans, active service members and (select) military spouses.

Some of the primary benefits of a VA loan are:

  • $0 Down Payment
  • Private Mortgage Insurance is not Required
  • Easier to Qualify
  • Great Interest Rates


The VA loan benefit itself is available with four different options


VA Purchase Loan

This is the loan designed for veterans to purchase a new or existing home with a $0 down payment.


VA Interest Rate Reduction Refinance Loan (IRRRL)

Also known as VA Streamlines, the IRRRL is designed for those with an existing VA loan to refinance at a lower rate.


VA Cash-Out Refinance

This type of refinancing can have requirements that vary by each lender but allows veterans, with or without a VA loan, to refinance and take out cash from the home’s equity.


VA Energy Efficient Mortgage

This is a way for veterans to finance up to $6000 towards energy efficiency improvements for the home, either as part of the purchase or refinance.


To learn more about the VA loan, please visit: U.S. Department of Veterans Affairs

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