VA Loans

Features & Benefits

No Down Payment

Purchase a home at a competitive interest rate often without requiring a down payment or private mortgage insurance

Cash Out

Refinance loans allow you to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements


Interest Rate Reduction Refinance Loan also called the Streamline Refinance Loan can help you obtain a lower interest rate by refinancing your existing VA loan. Learn more

Adapted Housing Grants

Help Veterans with a permanent and total service-connected disability purchase, build, or modify or an existing home

NADL Program

Native American Direct Loan helps eligible NA Veterans finance the improvement of homes on Federal Trust Land, or reduce the interest rate on a VA loan. Learn More


Many states offer resources to Veterans, including property tax reductions

Get to know what options are out there

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Frequently Asked Questions

What are the basic eligibility requirements?

There are basic eligibility requirements for veterans and service members, along with members of the Reserves, the National Guard and surviving spouses.

You May Be Eligible for a VA Loan If Any One of the Following are True:

• You served 181 days during peacetime (Active Duty)

• You served 90 days during war time (Active Duty)

• You served 6 years in the Reserves or National Guard

• You are the spouse of a service member who died in the line of duty or because of a service-connected disability.

How do I apply for a VA guaranteed loan?

To apply or even inquire more about a VA loan, you can contact Nationwide Equities, a preferred mortgage lender. Then, you will need to get a Certificate of Eligibility from VA to prove that you are eligible for a VA loan.

What are federal benefits for Veterans, Dependents and Survivors?

Veterans of the United States armed forces may be eligible for a broad range of benefits and services provided by the U.S. Department of Veterans Affairs (VA). Eligibility for most VA benefits is based upon discharge from active military service under other than dishonorable conditions. Active service means full-time service, other than active duty for training, as a member of the Army, Navy, Air Force, Marine Corps, Coast Guard, or as a commissioned officer of the Public Health Service, Environmental Science Services Administration or National Oceanic and Atmospheric Administration, or its predecessor, the Coast and Geodetic Survey.

What is the VA funding fee?

Law requires the VA funding fee. The fee is intended to enable the veteran who obtains a VA home loan to contribute toward the cost of this benefit, and thereby reduce the cost to taxpayers. The funding fee for second time users who do not make a down payment is slightly higher. The idea of a higher fee for second time use is based on the fact that these veterans have already had a chance to use the benefit once, and also that prior users have had time to accumulate equity or save money towards a down payment. To determine the exact funding fee percentage, please review the funding fee table

Can I lower monthly payments with a VA loan?

The VA has two major refinance programs. One, the Interest Rate Reduction Refinance Loan, better known as a VA Streamline, helps homeowners get into a lower-rate mortgage to reduce their monthly payment. VA Streamlines come with minimal hassle and paperwork. The VA does not require appraisals or credit checks on Streamlines, but some lenders have recently made them mandatory. We are still able to process some Streamlines without an appraisal, which is a tremendous benefit given the decline in home values across the country. Homeowners have to pay closing costs on a VA Streamline. But these can be rolled into the overall loan amount, along with up to $6,000 in energy efficiency improvements.