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: $0 down, no PMI, competitive rates, and eligibility rules for buying your primary home.
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VA loan benefits
The full list of VA loan benefits: $0 down, no PMI, lower rates, flexible credit, assumability, and Veteran-only protections.
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VA loan requirements
Complete VA loan requirements: service, credit score, income, DTI, occupancy, and property (Minimum Property Requirements).
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The VA loan process, step by step
How the VA loan process works from pre-approval through closing, with a realistic 30–45 day timeline.
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VA loan eligibility
Who qualifies for a VA loan: Veterans, active duty, Guard, Reserve, spouses, and surviving spouses.
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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 and how to read it.
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The VA appraisal
How VA appraisals work: cost, timeline, Minimum Property Requirements (MPRs), Tidewater, and how to handle a low appraisal.
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VA loan limits (2026)
How VA loan limits work in 2026: the $0-down cap for reduced entitlement, county limits, and how full entitlement removes the cap entirely.
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The VA Funding Fee
2026 VA funding fee chart: purchase, refinance, IRRRL, cash-out, first use vs. subsequent use, and who's exempt.
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VA loan closing costs
Which closing costs Veterans pay on a VA loan, which are prohibited (non-allowable), and how to reduce them.
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VA loan assumption
How VA loan assumptions work, who can assume a VA loan, entitlement release, and why assumptions are valuable in a high-rate market.
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VA mortgage rates
Today's VA mortgage rates, how they're set, why they typically beat conventional, and how to lock the best rate.
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VA loan pre-approval
How VA loan pre-approval works, documents required, and how a strong pre-approval helps you win offers.
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VA home loan FAQ
Quick answers to the most common VA home loan questions.
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