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VA-backed Veterans home loans

VA direct and VA-backed Veterans home loans can help Veterans, service members, and their survivors to buy, build, improve, or refinance a home. You’ll still need to have the required credit and income for the loan amount you want to borrow. But a Veterans home loan may offer better terms than with a traditional loan from a private bank, mortgage company, or credit union. For example, nearly 90% of VA-backed loans are made with no down payment. Learn about our different loan programs—and how to apply.

VA home loan types

We offer VA home loan programs to help you buy, build, or improve a home or refinance your current home loan—including a VA direct loan and 3 VA-backed loans.

Learn about the types of VA home loans and how they work


Find out if you can get a Certificate of Eligibility (COE) to show your lender that you qualify for a VA direct or VA-backed home loan based on your service history and duty status.

Find out if you can get a COE

How to request a COE

Find out how to request a COE—and what to do next to get a VA direct or VA-backed home loan.

Learn how to request a VA home loan COE

VA home loan programs for surviving spouses 

Find out if you’re eligible and how to apply for a VA home loan COE as the surviving spouse of a Veteran or the spouse of a Veteran who is missing in action or being held as a prisoner of war.

Learn about VA home loan programs for surviving spouses 

Trouble making payments?

Get help to avoid foreclosure if you’re struggling to make your monthly mortgage payments.

Learn about how we can help you avoid foreclosure