VA home loans for those who served.
Zero down, no monthly mortgage insurance, and great rates for eligible veterans, active-duty service members, National Guard, Reservists, and select surviving spouses — backed by the U.S. Department of Veterans Affairs.
A benefit earned through service.
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs — created to help eligible veterans, service members, and select surviving spouses buy, build, or refinance a home. The VA doesn’t lend directly. Instead, it guarantees a portion of the loan, allowing approved private lenders to offer terms unavailable through any other program.
Eligibility requires a Certificate of Eligibility (COE) from the VA. Most veterans with honorable discharge qualify automatically. Active-duty service members can qualify after 90 continuous days of service during wartime, or 181 days during peacetime. Lendmire helps secure your COE and matches you with VA-approved wholesale lenders offering great rates on the benefit you earned.
Three paths through your VA benefit.
Purchase, refinance, or access equity — each designed to extend the value of your service-earned benefit.
VA Purchase
Up to 100% financing with no down payment required. No monthly mortgage insurance. Purchase a primary residence with rates reserved for eligible service members.
VA IRRRL Streamline
Interest Rate Reduction Refinance Loan — streamlined VA-to-VA refinance with minimal paperwork, reduced funding fee, and often no appraisal or income verification.
VA Cash-Out Refinance
Refinance up to 100% LTV and pull cash from home equity. Available for existing VA loans or refinancing non-VA loans into the VA program (varies by lender).
VA done right, every time.
VA loans work best when your broker knows the guidelines inside out — and which wholesale lenders have the most flexible overlays for your specific situation. Funding fee exemptions. Residual income thresholds. COE acquisition. Lender-specific VA program structures. The details matter, and they aren’t the same across every VA-approved lender.
We work with multiple VA-approved wholesale lenders to match you with the right product for your situation. From securing your Certificate of Eligibility through closing, we simplify what can be a paperwork-heavy process — with clarity at every step, and the respect your service deserves.
The benefits earned.
Know before you borrow.
VA guides, eligibility scenarios, and lender comparisons from our licensed loan officers.
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Tools to move from reading to action.
VA payment calculator
Run the numbers on a VA purchase or refinance — including funding fee, principal, interest, taxes, and insurance.
Calculate Tool TwoGet pre-approved
Start your VA pre-approval in under 30 seconds. A Lendmire specialist will follow up to finalize the details.
Start Tool ThreeBrowse programs
See every loan program Lendmire offers — from VA to conventional to DSCR — and find the right fit.
BrowseCheck your VA eligibility in about 30 seconds.
Review VA financing options available for your home purchase or refinance. No commitment required.
Get Pre-Approved