Home financing built around your service.
Explore VA-backed purchase and refinance options for eligible veterans, service members, and surviving spouses. Our loan team can help you understand your eligibility and next steps.
Could this fit your plans?
- You may qualify through eligible military service or surviving-spouse status.
- You are buying an eligible primary residence or reviewing a VA refinance.
- You want help understanding entitlement and available loan options.
What to have ready
Your exact checklist depends on the lender and your situation. A helpful starting point:
- Your Certificate of Eligibility, or the information needed to request it.
- Income and asset records required for your chosen loan.
- Property details and existing mortgage information for a refinance.
How lenders review this loan
These lender-specific examples show details that can shape your options. Your loan team will help you compare the requirements for your situation.
Eligibility and funding fee
Your Certificate of Eligibility and any funding-fee exemption need to be reviewed before closing.
Choose the refinance path
Purchase, cash-out, and Interest Rate Reduction Refinance Loan (IRRRL) options have distinct requirements.
Value and guaranty
The appraisal and available VA guaranty can affect the funds needed for your transaction.
A clear path forward.
Tell us what you have in mind
Start with your goal, property plans, and how you document income. Your loan team will help identify the relevant programs.
Review options with your loan officer
Compare the documentation, estimated costs, and payment structure. Understand what the lender needs before you move forward.
Build your application together
Your team guides you through the requested documents, lender review, and remaining steps toward closing.
Questions about va loans?
What is a Certificate of Eligibility?
A Certificate of Eligibility, or COE, helps establish your eligibility for a VA-backed home loan and provides entitlement information. Your loan team can help explain how to obtain it.
Does every borrower pay a VA funding fee?
No. A funding fee may apply, and eligible borrowers may be exempt. Your loan officer can review the circumstances and documentation needed to determine the applicable treatment.
Can I refinance using a VA loan?
VA refinance options depend on your current loan and goals. Your team can review the available paths, eligibility, costs, and any requirements specific to the refinance type.
Let’s find the right next step.
Start with a few details, then work with our loan team to compare your options.
Programs are subject to lender availability, borrower and property eligibility, and underwriting approval. This information is not a commitment to lend.