VA Home Loan

Veteran family on grass

The VA Home Loan Guaranty Program offered by the Department of Veteran Affairs. exists to “help veterans and active duty personnel purchase and retain homes in recognition of their service to the Nation.” The program offers the smartest options for eligible veterans to purchase or refinance their home. Money saving options include the VA Home Loan, VA Streamline Refinance or Interest Rate Reduction Loan (IRRL).


  • $0 down with up to 100% financing
  • Pre-Qualify for up to $729,000
  • Lower monthly mortgage payments with no private mortgage insurance

VA Closing Costs And Funding Fees

Veterans can roll the closing costs and funding fee into the loan. The VA funding fee is usually 0 to 3.3% of the total loan amount and is paid to Veterans Affairs.

Let The Seller Pay Closing Costs

The VA home loan program allows the seller of the home you are purchasing to pay up to 6 percent of your closing costs. Veterans save time and money by choosing the VA home loan versus the conventional alternative.

VA Jumbo Loans

After you complete the VA Home Loan Application, and get your approval. Here is some good news: A Veteran may borrow up to $729,750 in some locations.

VA Home Loans Are Assumable

If you decide to sell, you have the option to allow another Veteran to assume your VA Home Loan at the same interest rate. The loan can be assumable with the approval of the Department of Veteran Affairs. The seller may pay all of the Veteran’s closing costs assuming these costs do not exceed 6% of the total sales price of the new home.

For those interested in learning more about the history of the VA Home Loan Guaranty Program you can view or download the Legislative History of the VA Home Loan Guaranty Program PDF from the Department of Veteran Affairs.


Why choose VA Loan Desk?

A division of Belem Servicing LLC DBA Patriot Home Mortgage
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    Our Experience

    Patriot Home Mortgage and VA Loan Desk finances more homes for veterans than any other VA lender in the United States.

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    Our Expertise

    Years of experience gives us unmatched expertise that ensures you get the most from your VA benefits.

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    Our Network

    VA Loan Desk’s vast network of lenders throughout the U.S guarantees you the lowest possible VA loan rate.

Call to talk with a VA Loan Specialist.