#1 Dedicated VA Lender in the Nation
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What is a VA Loan?
Join the thousands of service members and veterans who have taken advantage of their VA Loan benefit.
Advantages of a VA Loan
Zero Money Down
No Private Mortgage
Insurance
Insurance
Competitive
Interest Rates
Interest Rates
An earned benefit for those who served, the VA Loan allows eligible military service members and veterans to finance 100 percent of the purchase price of a home.
Because of its unique advantages that include no down payment, no private mortgage insurance (PMI) and competitive interest rates, VA Loans offer those eligible a tremendous opportunity to purchase the home of their dreams.
Like all home loans, the VA Loan has lots of details and information to review. We at Veterans United Home Loans encourage you to use our website as a tool to educate yourself on the specifics of this exclusive benefit.
Established after World War II to assist returning veterans purchase a home, the federal government authorized the Department of Veterans Affairs to guarantee loans made to military service members, veterans and their spouses.
Tied to the highly successful GI Bill, the VA Loan program provided veterans the opportunity to buy a home — an opportunity many veterans would not have been able to afford without the legislation.
Since its inception, the VA Loan program has helped more than 18 million veterans and their families purchase a home. The specifics of the program have evolved over time, allowing for more and more veterans to take advantage of this unique program.
Tied to the highly successful GI Bill, the VA Loan program provided veterans the opportunity to buy a home — an opportunity many veterans would not have been able to afford without the legislation.
Since its inception, the VA Loan program has helped more than 18 million veterans and their families purchase a home. The specifics of the program have evolved over time, allowing for more and more veterans to take advantage of this unique program.
Advantages of a VA Loan
Government Guaranteed
Since WWII
Since WWII
Over 18 Million Families
Have Taken Advantage
Have Taken Advantage
Competitive
Interest Rates
Interest Rates
Although the VA Loan is a government program, the government generally does not make direct loans to veterans. Instead private lenders such as Veterans United Home Loans finance the loan and the Department of Veterans Affairs offers what is called a guaranty.
This guaranty, which protects the lender against loss of principal should the buyer default, provides incentive for private lenders to offer loans to those eligible.
This guaranty, which protects the lender against loss of principal should the buyer default, provides incentive for private lenders to offer loans to those eligible.
A VA Loan can be used for a variety of home purchases, including
Houses
Townhouses
Condos
New Construction
The VA allows purchases of up to $417,000 with no money down, but borrowers can purchase houses for more in specific counties, or with the use of a VA Jumbo Loan.
The goal of the VA Loan program is to ensure those who served have the opportunity to purchase a home should they so choose. With that goal in mind, the VA does limit the use of the VA Loan in certain situations.
The goal of the VA Loan program is to ensure those who served have the opportunity to purchase a home should they so choose. With that goal in mind, the VA does limit the use of the VA Loan in certain situations.
Advantages of a VA Loan
Zero Money Down
No Private Mortgage
Insurance
Insurance
Competitive
Interest Rates
Interest Rates
With every VA Loan, there is an associated funding fee required. The funding fee is a payment made to the VA to make up for some of the taxpayer costs associated with the VA Loan.
Compare VA to Conventional
See our comparison of features between
VA Loans and Conventional Loans.
VA Loans and Conventional Loans.
The funding fee also varies, depending on the circumstances of the borrower. For example, if this is your first time using the VA Loan, the funding fee is typically 2.15 percent of the purchase price of the home. For subsequent use of your VA Loan benefit, the fee is 3.3 percent.
VA borrowers can roll the funding fee into their overall loan amount. The VA also limits closing costs for veterans and allows sellers to pay most or all of those expenses. Many of our borrowers purchase a home with no money due at closing.
VA borrowers can roll the funding fee into their overall loan amount. The VA also limits closing costs for veterans and allows sellers to pay most or all of those expenses. Many of our borrowers purchase a home with no money due at closing.
VA Loan Overview
VA Loan Background
VA Loan Regulations
VA Loan Rates & Fees
Call 800-884-5560 to speak with one of our VA mortgage specialists, or
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Testimonials
"I had the most incredibly wonderful home buying experience. Each and every person I talked to was just so very kind and professional!"
- Carole Parkmond (Connecticut)
- Carole Parkmond (Connecticut)
"There was never really a time that I was confused or not sure where we stood in the process."
- Randall Bissell (California)
- Randall Bissell (California)
"I am and was very impressed by how easy it was to get in touch with her and that she was able to make you feel like you were her only client at the time."
- Jerry Conner (Michigan)
More Testimonials
- Jerry Conner (Michigan)
Loan Info Video Library
The VA Loan Program
More information for families interested in a VA Loan and how it can help save them money.
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VA Loan v. Conventional
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Call us now to speak to a VA Loan Specialist.
800-884-5560
Veterans United Home Loans is not affiliated with any government agencies, including the VA.
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