VA Home Loans
Understanding Your VA Home Loan Benefits
The VA Home Loan Program has been helping eligible service members, Veterans, and surviving military spouses achieve the dream of homeownership since 1944. Designed specifically with military families in mind, the program offers significant savings and flexible qualification requirements to make homeownership more accessible.
Use Your VA Home Loan Benefit
The VA Home Loan benefit is one of the most powerful financial tools available to veterans. Eligible service members, veterans, and surviving spouses can purchase a home with no down payment, no private mortgage insurance (PMI), and competitive interest rates — backed by the U.S. Department of Veterans Affairs.
Who Qualifies for a VA Home Loan?
Eligibility is based on service history and discharge status. Generally, veterans who served 90 consecutive days during wartime, 181 days during peacetime, or 6 years in the National Guard or Reserves may qualify. Surviving spouses of veterans who died in service or from service-connected conditions may also be eligible.
Key VA Loan Benefits
- No down payment required in most cases
- No private mortgage insurance (PMI)
- Competitive interest rates
- Limited closing costs
- No prepayment penalties
- Can be used multiple times
What You’ll Learn in This Seminar
Our home loan specialists, who are experts in VA loan eligibility and California’s qualification guidelines, will cover:
Eligibility requirements for the VA Home Loan Program.
Step-by-step guidance on the application and approval process.
Tips on maximizing your benefits to save money and secure your dream home.
Answers to your questions about VA loans and homeownership.
Help you reach your dream of owning property
Next Steps
VTS can connect you with VA-approved housing counselors and lenders familiar with the unique challenges of military relocation and transition. Contact us to learn more.