VA Loans
Everything you need to know about VA home loans
The complete VA home loan resource: benefits, requirements, eligibility, funding fee, loan limits, the process, and today's VA rates.
VA home loans let Veterans, active-duty service members, and eligible surviving spouses buy a home with $0 down, no PMI, and competitive rates — all backed by the U.S. Department of Veterans Affairs. Explore every part of the program below.
VA Loans
VA Purchase Loans
How VA purchase loans work in 2026: $0 down, no PMI, competitive rates, entitlement, funding fee, MPRs, and the 30–45 day timeline.
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VA loan benefits
The complete list of VA loan benefits: $0 down, no PMI, lower rates, flexible credit, assumability, funding fee waivers, and Veteran foreclosure protections.
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VA loan requirements
Complete 2026 VA loan requirements: service history, credit score, income, DTI, residual income, occupancy, and Minimum Property Requirements.
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The VA loan process, step by step
The complete VA loan process: pre-approval, offer, appraisal, underwriting, CD, and close — with realistic day counts and what happens at each stage.
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VA loan eligibility
Who qualifies for a VA loan: Veterans, active duty, National Guard, Reserves, surviving spouses, and other eligible groups — with exact service-time rules.
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Certificate of Eligibility (COE)
How to request your VA Certificate of Eligibility online, by mail, or through your lender. What the COE shows, entitlement codes, and how to restore entitlement.
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The VA appraisal
How VA appraisals work in 2026: cost, timeline, Minimum Property Requirements (MPRs), the Tidewater process, and what to do about a low VA appraisal.
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VA loan limits (2026)
How VA loan limits work in 2026: full entitlement removes the cap entirely, partial entitlement uses county conforming limits, and high-cost counties.
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The VA Funding Fee
2026 VA funding fee chart for purchase, IRRRL, and cash-out. First-use vs. subsequent-use rates, down-payment reductions, and full exemption rules.
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VA loan closing costs
Complete 2026 VA closing costs: allowable fees, VA non-allowable fees, seller concessions, and how to reduce cash to close.
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VA loan assumption
How VA loan assumptions work in 2026, who can assume, entitlement release, funding fees, and why assumptions are worth their weight in gold in a high-rate market.
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VA mortgage rates
Today's VA mortgage rates, why VA rates typically beat conventional, what drives daily rate movement, and how to lock the best rate.
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VA loan pre-approval
How VA loan pre-approval works in 2026: documents required, DU/LP approval, and how a real underwritten pre-approval helps you win offers.
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VA home loan FAQ
Quick, accurate answers to the most-asked VA home loan questions in 2026 — eligibility, funding fee, credit, appraisal, and more.
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