VA Loan
VA Loan
Loan Program

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.

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The Fundamentals

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.

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Program Options

Three paths through your VA benefit.

Purchase, refinance, or access equity — each designed to extend the value of your service-earned benefit.

Most Popular

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.

Existing VA Loan

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.

Access Equity

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 loan benefits are subject to eligibility. Certificate of Eligibility (COE) required. Funding fee may apply — waived for certain service-connected disabilities. All loans subject to credit, income, and underwriting approval — and lender program eligibility.
Why Lendmire

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.

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Program Highlights

The benefits earned.

$0 Down
Up to 100% financing for eligible buyers. Preserve your savings for moving costs, reserves, or other priorities.
No Monthly MI
VA loans require no private or government mortgage insurance — unlike FHA or low-down-payment conventional loans.
Flexible Credit
Lower score minimums than conventional, plus more forgiving treatment of past credit events with compensating factors.
Funding Fee Waivers
VA funding fee may be fully waived for veterans receiving VA compensation for service-connected disabilities.
Also Consider

Programs worth comparing.

If VA eligibility isn’t available — or you’re purchasing a property type VA doesn’t cover — these alternatives work for different scenarios.

Strong Credit

Conventional Loan

3% down options for qualified buyers. Useful for investment properties and second homes where VA loans don’t apply.

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Credit Flexibility

FHA Loan

3.5% down with flexible credit requirements. Good alternative if VA eligibility isn’t available but you need lower-barrier government-backed financing.

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Rural Properties

USDA Loan

Zero down for qualifying rural and suburban homes. Government-backed option for service members relocating to eligible areas.

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Learning Center

Know before you borrow.

VA guides, eligibility scenarios, and lender comparisons from our licensed loan officers.

Take the Next Step

Tools to move from reading to action.

Tool One

VA payment calculator

Run the numbers on a VA purchase or refinance — including funding fee, principal, interest, taxes, and insurance.

Calculate Tool Two

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See your offer in seconds. No credit pull, no obligation.

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Browse programs

See every loan program Lendmire offers — from VA to conventional to DSCR — and find the right fit.

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Get Started

Check your VA eligibility in seconds.

See your offer in seconds. No credit pull, no obligation.

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Available In 16 States

VA loans, state by state.

The VA guaranty is national, and the markets are local. Explore the entitlement rules, the markets, and the scenarios for your state.