VETERAN HOUSING & HOME LOANS
From VA home loans with no down payment to emergency housing assistance — explore every program designed to give veterans a stable place to call home.
VA HOME LOAN ADVANTAGES
Why veterans choose VA loans over conventional mortgages
Zero Down Payment
Purchase a home with no money down — no down payment required for eligible veterans.
No PMI Required
Save hundreds per month — no private mortgage insurance required, unlike conventional loans.
Competitive Rates
VA loan rates are typically lower than conventional and FHA loan rates.
Reusable Benefit
Your VA loan benefit can be used multiple times — it's not a one-time entitlement.
Foreclosure Protection
The VA advocates for veterans facing financial hardship to avoid foreclosure.
New Construction
VA loans can be used to build a new home, not just purchase an existing one.
TYPES OF VA LOANS
Purchase Loan
Buy a primary residence with no down payment
Interest Rate Reduction Refinance (IRRRL)
Streamline refinance to lower your existing VA loan rate
Cash-Out Refinance
Access your home equity for renovations or debt payoff
Native American Direct Loan
For Native American veterans on tribal trust land
Adapted Housing Grants
SAH and SHA grants for severely disabled veterans
HOUSING ASSISTANCE PROGRAMS
For veterans experiencing housing instability or homelessness
HUD-VASH Program
Housing and Urban Development–VA Supportive Housing combines HUD Housing Choice Vouchers with VA case management and clinical services.
Supportive Services for Veteran Families (SSVF)
Rapidly re-houses veterans and their families who are homeless or at imminent risk of homelessness.
Grant & Per Diem Program (GPD)
Funds community agencies that provide transitional housing and supportive services to veterans.
Specially Adapted Housing (SAH)
Grants up to $117,014 to help veterans with certain service-connected disabilities adapt or build a home.
CHECK YOUR VA LOAN ELIGIBILITY
Most veterans who served at least 90 consecutive days during wartime or 181 days during peacetime are eligible. Get your Certificate of Eligibility (COE) to start the process.