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Affordable Home Loans for our Nation's Veterans

Buy a home for $0 Down with the VA Benefit earned through your military service.

Advantages of a VA Loan

Advantages for Military Homebuyers

The VA Loan has many advantages that make it one of the most appealing paths to homeownership — and this great benefit is reserved exclusively to those who bravely served our country and select military spouses.

When combined, the benefits of the VA mortgage allow service members and Veterans to take advantage of substantial cost savings under qualification requirements designed specifically for members of the military and their unique needs.

Learn more about VA Loans »

Lower Payments

Competitive interest rates and no private mortgage insurance mean lower monthly payments.

No Down Payment

The VA Home Mortgage is one of the only home loans available today with no down payment required.

Easier to Qualify

The VA Loan Program provides homeownership opportunities for millions who wouldn't otherwise qualify for conventional financing.

First-Time Buyers

No down payment and relaxed credit standards means loans from the VA Program are especially helpful for first-time homebuyers. Find out more »

VA Loan Eligibility

Are you Eligible for a VA Loan?

The Home Loan Specialists at Veterans United can help you determine if you are eligible for a VA Loan, and even help you obtain your Certificate of Eligibility.

Questions about whether you qualify? Call 1-800-884-5560 to speak with an expert.

Learn more about VA Loan Qualification »

You may be eligible for a VA Home Loan if:

  • You have served 90 consecutive days of active service during wartime, OR
  • You have served 181 days of active service during peacetime, OR
  • You have more than 6 years of service in the National Guard or Reserves, OR
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.

VA Loan Refinancing

Refinancing with a VA Loan

Through the powerful VA Loan program, those eligible are also able to refinance in a couple of different ways. The most popular types of refinance options include the VA Streamline Refinance (also known as an Interest Rate Reduction Refinance Loan, or IRRRL) and a VA cash-out refinance.

Streamline Refinances allow Veterans with a VA Loan already to refinance to a lower interest rate. Cash-Out Refinances give the borrower the opportunity to use the equity of the home and use it as cash.

More about VA Refinancing »

Two Ways to Refinance:

Streamline Refinancing Cash-Out Refinancing

Also known as a VA IRRRL, the "Streamline" refinancing option is great for existing VA Loan holders looking to realize significant savings and take advantage of lower interest rates.

More on IRRRL VA Refinancing

An option for those with a VA or conventional loan looking to take advantage of the equity in their homes to access cash for home improvements, emergencies, paying bills or any other purpose.

More on Cash-Out Refinancing

VA Loan Rates

VA Loan Rates

With low interest rates and the advantages of the VA Loan, you can capitalize on a buyer's market and join the millions of other veterans using their hard-earned benefit.

Although a number of factors influence your final rate, the government backs all VA Loans, ensuring lenders such as Veterans United can offer competitively low interest rates.

Learn more about VA Loan Rates »

Credit Building

Tips for Building Credit

For many military families and Veterans, establishing a pristine credit score is difficult and often the biggest obstacle to purchasing the home of your dreams.

Fortunately, Veterans United offers a credit building program free of charge. This service helps Veterans and military families rebuild their credit and get you on the right track to purchasing a home.

Learn more about Building Credit »

Why choose Veterans United Home Loans?

Dedicated VA Loan Provider

Veterans United Home Loans is dedicated to serving Veterans and military families, and is one of the leading lenders in the VA Loan industry.

What is a VA Loan? »

Guided by Military Leadership

Top retired leaders from every branch of the military have joined the Veterans United team to raise awareness about the VA Loan.

Meet our Brand Ambassadors »

VA Loan Experts

Our specialists are industry-leading experts in VA home mortgages and undergo extensive training on VA eligibility and the loan process.

About Veterans United »

Get to Closing Quicker

Veterans United's in-house team of professionals and state-of-the-art technology ensures you close on your home faster.

Get Started Now »

Featured Video

Watch Video: Quick Guide to The VA Loan Process

Questions about the VA Loan process? See how it works from start to finish in our helpful video, or read more in our Guide to the VA Loan »

Speak with a Home Loan Specialist today
Representatives Available 24/7 to Better Serve Troops Overseas
A VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.
Not available in New York.