🎖️ Veteran Benefits

VA Home Loan Guaranty

VA-backed home loan with no down payment and no PMI for eligible veterans and service members.

Official sourceU.S. Department of Veterans Affairs
Official website
Last verified 2026-07-13·Effective Ongoing

What it is

VA guarantees a portion of the loan so lenders can offer no down payment, no private mortgage insurance, and competitive rates. A one-time VA funding fee applies (waived for veterans with service-connected disability compensation).

Who qualifies

  • Veterans, active-duty service members, eligible Reserve/Guard, and certain surviving spouses meeting service length requirements.
  • Must obtain a Certificate of Eligibility (COE).

How to apply

  1. 1Request a COE on VA.gov or through a VA-approved lender.
  2. 2Get pre-approved with a VA-approved lender.
  3. 3Purchase a primary residence and close using VA financing.
Apply on the official website

Frequently asked questions

Can I use it more than once?
Yes. Entitlement can be restored after payoff/sale, and there is no limit on the number of times it can be used.