Every way to put your benefit to work.

Buy your first home — or your next — with $0 down, no PMI, and competitive fixed rates on a VA purchase loan.

The VA purchase loan is the benefit you earned. Skip the down payment, skip PMI, and close on a home that fits your life — not the bank's rulebook.

• No down payment required
• No monthly private mortgage insurance
• No down payment in most cases, subject to VA review and applicable fees
• VA funding fee can usually be financed; some borrowers are exempt
• VA sets no minimum credit score; lenders set their own

A VA-to-VA streamline refinance with reduced documentation. Appraisal, credit, and income requirements are set by the lender and VA program rules.

The Interest Rate Reduction Refinance Loan (IRRRL) exists for one reason: to make lowering your rate as painless as possible for veterans who already have a VA loan.

• Minimal documentation
• No appraisal required in most cases
• Roll closing costs into the loan
• Move to a fixed rate from an ARM

Turn your home's equity into flexible cash for renovations, tuition, or debt payoff — up to 100% loan-to-value with a VA cash-out refinance.

Take equity out of your home for what matters — a renovation, a business, tuition, debt payoff — with the borrower protections VA loans are known for.

• Borrow up to 100% of home value
• Consolidate high-interest debt
• Fund home improvements or education
• Available on non-VA loans too

Buy in high-cost markets without giving up your VA benefit — $0 down VA jumbo loans above the conforming loan limits.

Coastal markets and metro pricing don't have to shrink your options. VA jumbo loans keep your zero-down benefit intact on larger purchases.

• Loan amounts above conforming limits
• No down payment with full entitlement
• A down payment may be required with partial entitlement
• Availability varies by licensed jurisdiction, borrower qualifications, property, and lender approval

Build your custom home with your VA benefit — $0 down.

Building from the ground up doesn't have to mean two loans, two closings, and a stack of fees. The VA construction loan wraps the build and the permanent mortgage into one file with the same veteran-friendly terms.

• Construction and permanent financing may be combined, depending on the lender
• $0 down possible with sufficient entitlement and lender approval
• Builder requirements are set by VA and the lender
• Availability is limited; confirm before planning a build

Buy a fixer or upgrade the home you have — with one loan.

The VA renovation loan (also called the VA rehab loan) folds cosmetic and non-structural repairs into your mortgage so you can close on a home that needs work — and pay for it at your mortgage rate, not a credit-card rate.

• Finance repairs into your purchase or refi
• Repair limits and eligible work are set by the lender
• Same $0-down, no-PMI benefits
• One appraisal, one closing

A VA direct loan for an eligible Native American Veteran—or a non-Native American Veteran married to a Native American—to buy, build, or improve a home on federal trust land, or refinance an existing NADL to reduce its rate.

The Department of Veterans Affairs—not Bolt Home Loans LLC—originates and manages the Native American Direct Loan for an eligible Native American Veteran or a non-Native American Veteran married to a Native American. Eligibility depends on the applicant, a current MOU between VA and the tribe or governing body responsible for the eligible land, federal trust land, income and credit review, intended occupancy, and the requested use.

• Loan issued directly by the VA (not a bank)
• Available on federal trust land
• The tribe or governing body responsible for the eligible land must have a current MOU with VA
• Refinancing is limited to an existing NADL for a lower interest rate
• VA verifies COE, credit, income, and primary occupancy
• A VA funding fee may apply unless the applicant is exempt

Finance qualifying energy-efficiency improvements with your VA loan.

The VA EEM may let you add the cost of qualifying energy-efficiency improvements to a VA purchase or refinance, subject to the documentation limits above and lender approval. Actual utility savings depend on the home, the improvements, and usage and are not guaranteed.

• Finance qualifying energy-efficiency improvements
• Solar, insulation, HVAC, storm windows
• Up to $3,000: cost supported by a bid or itemization
• Over $3,000 through $6,000: itemized bid/contract plus lender documentation that the added payment does not exceed estimated monthly energy savings
• Stackable with purchase or IRRRL