Helpful context
$0 down may be possible for eligible borrowers with sufficient VA entitlement.
VA Home Loans for Veterans
National VA Loans helps eligible veterans, active duty service members, and surviving spouses compare VA purchase, refinance, construction, and cash-out options with plain-language guidance from pre-qualification to closing.
What This Page Helps You Do
Helpful context
Start with guided paths for learning, buying, refinancing, entitlement, or real estate partner resources.
Helpful context
Use calculators and plain-English guides to plan payment, funding fee, affordability, and closing timeline.
Helpful context
Explore state and city VA loan pages for local market, military community, and property planning context.
Assumptions to Verify
- VA benefits and lender qualification are separate reviews.
- Rates, closing costs, and payment estimates can change with market conditions and borrower profile.
- Pre-qualification is not a commitment to lend and final approval depends on borrower, property, and underwriting review.
Recommended Next Steps
- 1. Choose whether you are buying, refinancing, building, using equity, or just learning about VA benefits.
- 2. Estimate payment and affordability using realistic taxes, insurance, funding fee, and cash-to-close inputs.
- 3. Request a personalized pre-qualification review when you are ready for borrower-specific guidance.
Why You Can Trust This Guidance
VA-approved lender powered by Stride Bank, NMLS #466690.
Educational content is reviewed for clarity and lending context; personalized eligibility requires borrower-specific review.
National VA Loans is not affiliated with the Department of Veterans Affairs or any government agency.
Last reviewed: April 2026
Helpful Sources and Related Guides
Continue Exploring
Use these related pages to compare eligibility, costs, payment strategy, and local VA loan context.
- Get pre-qualified
- VA home loan guide
- VA refinance options
- VA IRRRL streamline refinance
- VA cash-out refinance
- VA construction loans
- Certificate of Eligibility guide
- VA loan FAQs
- VA loan glossary
- VA pre-qualification checklist
- VA mortgage tools
- VA affordability calculator
- VA funding fee calculator
- VA loan process guide
- First-time VA buyer guide
- VA loans for disabled veterans
- VA loans for active duty
- VA loans for surviving spouses
- VA loans by state
- Missouri VA loans
- Texas VA loans
- Kansas City VA loans
- National VA Loans reviews
- About National VA Loans
- Meet Jason O'Donnell
Frequently Asked Questions
What is a VA home loan?
A VA home loan is a mortgage backed by the Department of Veterans Affairs and offered by approved lenders to eligible veterans, service members, and qualifying surviving spouses.
Can eligible VA borrowers buy with $0 down?
Many eligible borrowers with sufficient entitlement can buy with no down payment, subject to lender qualification, property approval, occupancy, and underwriting.
Do VA loans require PMI?
No. VA loans do not require private mortgage insurance, which can reduce monthly costs compared with some low-down-payment conventional options.
Should I get pre-qualified before shopping?
Yes. Pre-qualification helps connect your target price to income, debts, credit, entitlement, taxes, insurance, and cash-to-close before you write offers.