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Home Loans and Housing Programs

Through VA's home loan and housing programs Veterans and Servicemembers can get access to low-interest home loans or help refinancing an existing mortgage. VA home loans also can be used to buy, build, or improve a home; install energy-related features or improvements; and purchase a manufactured home and/or lot.

There are four different kinds of home loans or housing programs:

  1. Purchase and Cash-Out Refinance Home Loans
  2. Interest Rate Reduction Refinance Loan
  3. Native American Direct Loan Program
  4. Adapted Housing Grants (for disabled Veterans)

The process for each of these varies. For most programs, you must first obtain a Certificate of Eligibility (COE)—this verifies to the lender that you are eligible for a VA-backed loan. Then, you will work closely with your lender to secure your loan.

Apply Now

To be eligible for a VA-guaranteed home loan you must have suitable credit, sufficient income, and a valid COE. You can ensure a smoother process if you prepare all documents/evidence ahead of time.

To obtain a COE, you must meet certain service requirements. You can apply in one of three ways:

  1. ONLINE: Through
  2. THROUGH YOUR LENDERS: If they have access to the Web LGY system (most lenders do).
  3. BY MAIL: Complete VA Form 26-1880 and mail it to Atlanta Regional Loan Center, Attn: COE (262) P.O. Box 100034, Decatur, GA 30031.


You may be eligible for VA benefits if you were discharged from active duty under any condition other than dishonorable. Some benefits may be used by active-duty Servicemembers. Spouses, children, and survivors of Veterans or Servicemembers may also be eligible for VA benefits. Consult the VA benefits booklet or visit the nearest VA regional office for more detailed information.