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Home Loan

The Veterans Affairs (VA) does not directly give loans to veterans and service members. Instead, the VA guaranties a percentage of the loan, which allows veterans, service members, reservist, and unmarried surviving spouses to find competitive interest rates, usually without a down payment. However, manufactured homes do require a down payment, as well as home, which has a purchase price greater than the estimated value.

Note: The VA will make direct loans to Native American veterans, who wish to buy, build, or improve a home on tribal lands, or an eligible disabled veteran, who qualifies for a Special Adapted Housing grant. VA will not give loan guaranties to purchase businesses or farms (unless a farm house is included, which will be occupied by the person receiving the guarantee)

A Certificate of Eligibility must be obtained. Learn more about VA Home Loan Eligibility Requirements.

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