Every way to put your benefit to work.

Buy your first home — or your next — with $0 down.

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
• Competitive fixed rates
• Flexible credit requirements

Lower your rate without the paperwork mountain.

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 flexibility.

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 settling.

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
• Competitive jumbo pricing
• Available in every state

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.

• One-time close (construction + permanent)
• $0 down on the full construction cost
• VA-approved builder required
• Locked long-term rate at closing

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
• Up to $50,000 in renovations (typical)
• Same $0-down, no-PMI benefits
• One appraisal, one closing

Direct-from-VA financing for eligible Native American veterans.

The NADL is the VA's only direct-lending program. If you're a Native American veteran (or a veteran married to one) buying or building on federal trust land, this is often the strongest financing option in the country.

• Loan issued directly by the VA (not a bank)
• Available on federal trust land
• $0 down, no PMI, competitive fixed rate
• Also usable to improve or refinance

Roll energy-saving upgrades into your VA loan.

The VA EEM lets you finance qualifying energy-efficiency improvements directly into your VA purchase or refinance — cutting your utility bill without touching your down-payment or savings.

• Add up to $6,000 in EEM improvements
• Solar, insulation, HVAC, storm windows
• No re-qualifying for the extra amount
• Stackable with purchase or IRRRL