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VA Loans for Veterans

The VA Loan is a home-mortgage option available to United States Veterans, Service Members and not remarried spouses. VA Loans are issued by qualified lenders and guaranteed by the U.S. Department of Veterans Affairs (VA).

Read About News, Updates, and Guidelines

VALoans.com specializes in educating our country's veterans and military personnel on the VA loan program. We provide comprehensive guides, calculators and insight pertaining to VA Loans, VA Loan refinance and VA ARM loans. Through VALoans.com, veterans and active duty military members across the country can find information and tips on obtaining a VA Loan.

VA LOAN ARTICLES

Read About Veteran Mortgage News, Updates, and Guidelines
Who Can Use the VA Loan Benefit? - VALoans.com

The Dept. of Veterans Affairs has strict eligibility requirements for those wishing to use the VA loan. This article looks at who can use this benefit.

VA Loan Assumption - What Veterans Need to Know

Do you know the circumstances where you are allowed to sell the home and have the seller assume the VA mortgage?

Home Appraisals and Inspections for Your VA Loan

Inspections and appraisals don't act as guarantees that the home you are buying is completely free of defects. Buyers should examine the home themselves.

Employment and Income Verification for VA Home Loans

The VA has strict requirements for VA loan applicants about disclosing income, residency and other data necessary to approve a VA loan.

VA Loan Eligibility: How Long Do I Have to Serve?

The VA home loan is a benefit Americans receive from the government for serving their country as part of the military for a required amount of time.

VA Condo Project Approval Process - VALoans.com

One frequently asked question about the VA loan process involves the inner workings of VA condo approval. In this article we dive in to the condo approval process.

VA Occupancy Rules - VALoans.com

When you start preparing to apply for a VA home loan, the VA occupancy rule is one of the first things you'll learn about.

VA Loan Requirements for Multi-Family Units - VALoans.com

VA loans have a variety of applications. Did you know you can apply for a VA home loan for properties with up to four units? Learn how in this article.

Can a VA Appraisal Hold Up My Loan Application? - VALoans.com

A VA appraisal must be conducted and finalized before you can move forward on any VA loan. The purpose of the inspection is to set a value on the home.

What is a VA Compromise Sale? - VALoans.com

If you get an offer lower than the payoff amount on your VA home loan, contact the VA about a compromise sale to pay the difference.

When Do I Pay the VA Loan Funding Fee? - VALoans.com

Buyers have the option to finance the VA funding fee or pay it in cash, but however the borrower chooses to pay; the funding fee must be paid at closing time.

VA Loans, Divorce, and Surviving Spouses - VALoans.com

One of the common topics about VA loan eligibility is related to what happens to a VA loan or the ability to apply for one after divorce.

VA Loans For Second Homes? - VALoans.com

If the first property is sold and the VA mortgage completely paid off, VA borrowers can apply to have their eligibility to take out a VA home loan restored.

Types of VA Housing Grants for Disabled Veterans - VALoans.com

There are many different VA home loan benefits available to qualifying disabled veterans. One benefit includes types of housing grants for home renovation.

About VA Interest Rate Reduction Refinancing Loan

If you want lower monthly payments and a lower interest rate on an existing VA home loan, the VA Interest Rate Reduction Refinancing Loan is just for you.

VA Loan Myths: The Honorable Discharge Requirement

Do VA Loan rules require a borrower to have an honorable discharge in order to qualify for the program? In this post we look at the honorable discharge myth.

VA Loans for National Guard and Reserve Members - VALoans.com

Members of the National Guard or Reserves are not immediately eligible for a VA loan, but they become eligible once they meet the requirements for time in service.

VA Loan Options for Military Couples - VALoans.com

For married couples looking for a VA home loan, when both are in the military, there are a variety of options when it comes to using VA insured loan benefits.

VA Loan Rules for Land Purchases - VALoans.com

It's easy to forget that a house in the suburbs is not the only option a first-time home buyer has with a VA home loan. Learn what other land purchases a VA loan can buy

Spouse Income and Child Support - VALoans.com

Many borrowers seeking a VA Home Loan have questions about their spouse's income and child support. VA regulations cover these questions, here are the answers.

A Frequently Asked Question About VA Appraisal Expiration Dates

One of the most common questions we receive about the VA appraisal pertains to the expiration date and appraisal reuse.

VA Loan Discount Points - VALoans.com

Negotiating the interest rate on your VA mortgage with the lender is a stressful time. Read about potential discount points here.

VA Loan Funding Fee Refunds - VALoans.com

Part of the cost of a VA guaranteed home loan is the payment of a VA loan funding fee. Some borrowers are exempt from the funding fee and some get it refunded.

VA Loans and Estate Agent/Broker Fees - VALoans.com

VA borrowers will have to pay their real estate agent or broker some sort of fees on closing day. Learn what fees they are allowed to charge.

Answers to a Common Question About VA Appraisals

“I just bought a home using a VA Loan and just found out that the electrical circuits are not grounded. Is this something that should have been discovered at the time of the appraisal?”

VA Loan Funding Fee Exemptions and Second Time Use

When you buy a home with a VA mortgage, there are associated fees and expenses including VA appraisal fees, and the VA loan funding fee. Generally, all Veterans using the VA Home Loan Guaranty benefit must pay a funding fee.

VA Condo Loan Rules: Termite Inspections

The VA loan program has a variety of rules that protect the borrower--some of these rules involve fair lending practices, while others are concerned with the quality of the property to be purchased with a VA mortgage.

About the VA Loan Funding Fee

The VA Interest Rate Reduction Refinance Loan program (abbreviated as VA IRRRL) does require a VA loan funding fee. But, borrowers eligible for a this exemption should not assume that it is automatic.

Should I Refinance My VA Loan Now?

The Department of Veterans Affairs has been making interesting strides in its use of Twitter and other social media to help VA borrowers understand their benefits. The VA recently held the second-ever Twitter Town Hall Meeting on veterans benefit topics.

VA Loan Appraisal Rules For Electrical Systems

While the appraiser does not completely inspect the home from rooftop to sump pump, he or she is responsible for examining the home for defects or conditions that might affect the value of the home, safety, or suitability for the loan.

VA Loan Entitlement and Eligibility - VALoans.com

Who can apply for a VA mortgage loan and when? Use this guide to the VA Loan Eligibility Requirements to learn if you are eligible.

VA Home Loans and Short Sales

When a VA borrower starts having trouble making VA mortgage loan payments, sometimes the only alternative to foreclosure is a short sale--a transaction where the borrower agrees to sell for less than the property is worth.

How Much is the VA Loan Funding Fee? - VALoans.com

The Dept. of Veterans Affairs guarantees every VA Loan that is originated. The VA uses its Funding Fee to finance this guarantee.