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Benefits
Purchase Loans help you purchase a home at a competitive interest rate often without requiring a downpayment 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 (IRRRL): also called the Streamline Refinance Loan can help you obtain a lower interest rate by refinancing your existing VA loan.
Native American Direct Loan (NADL) Program: helps eligible Native American Veterans finance the purchase, construction, or improvement of homes on Federal Trust Land, or reduce the interest rate on a VA loan.Learn More
Adapted Housing Grants: help Veterans with a permanent and total service-connected disability purchase or build an adapted home or to modify an existing home to account for their disability. Learn More
Other Resources: many states offer resources to Veterans, including property tax reductions to certain Veterans.
Eligibility Requirements
The length of your service or service commitment and/or duty status may determine your eligibility for specific home loan benefits.
Purchase Loans and Cash-Out Refinance:VA-guaranteed loans are available for homes for your own personal occupancy. To be eligible, you must have a good credit score, sufficient income, a valid Certificate of Eligibility (COE), and meet certain service requirements.
Interest Rate Reduction Refinance Loan (IRRRL): The IRRRL is a "VA to VA" loan, meaning it can only be applied to refinance an existing VA loan. An IRRRL can be done only if you have already used your eligibility for a VA loan on the property you intend to refinance.
Native American Direct Loan (NADL) Program: The NADL program helps Native American Veterans purchase, construct, improve, or re-finance a home on Native American trust lands. Your tribal organization must participate in the VA direct loan program. You must have a valid Certificate of Eligibility (COE) and meet certain service requirements.
Adapted Housing Grants: VA helps Veterans with certain total and permanent disabilities related to your military service obtain suitable housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant.
Department of Veteran Affairs
Home Loans
About Home Loans
VA helps Service members, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.
VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.
How to Apply
Purchase Loan & Cash-Out Refinance: VA loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE through eBenefits, by mail, and often through you lender.
Interest Rate Reduction Refinance Loan: A new Certificate of Eligibility (COE) is not required. You may take your Certificate of Eligibility to show the prior use of your entitlement or your lender may use our e-mail confirmation procedure in lieu of a certificate of eligibility.
Native American Direct Loan (NADL) Program: First, confirm that your tribal organization participates in the VA direct loan program. NADL loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE through eBenefits, by mail, and often through you lender.
Adapted Housing Grants: You can apply for an SAH or SHA grant by either downloading and completing VA Form 26-4555 (PDF) and submitting it to your nearest Regional Loan Center, or completing the online application.
Contact VA Home Loans Service
Contact
The fastest way to get answers to your questions is to use our web resources. Most questions regarding the VA Home Loan Program are answered in ourFAQs or in the specific loan program's eligibility information. If you cannot find an answer, use the information below or contact us at 1-877-827-3702.
Atlanta Eligibility Center
If you have specific questions regarding VA home loan eligibility, please contact the Eligibility Center, located at the Atlanta Regional
Loan Center, at the following address and toll-free number:
Atlanta Regional Loan Center
Attn: COE (262)
P.O. Box 100034
Decatur, GA 30031
1-888-768-2132
You may also contact the Atlanta Eligibility Center through our secure, online inquiry system at https://iris.va.gov. Click on "Ask a Question" and follow the prompts.
VA Regional Loan Centers
There are two convenient ways for you to contact your Regional Loan Center about non-eligibility related questions. You can obtain the telephone numbers, addresses, and website addresses or e-mail your Regional Loan Center.