VA Loans
A home-loan benefit earned through military service.
VA loans are mortgages backed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, and some surviving spouses. Because the VA guarantees part of the loan, lenders can offer strong terms — including buying a home with no down payment.
How it works
$0 down, no monthly mortgage insurance
Qualified borrowers can finance 100% of the purchase price, and VA loans don't carry monthly mortgage insurance — two of the biggest costs of other low-down-payment options.
Streamline and cash-out refinancing
Already have a VA loan? The Interest Rate Reduction Refinance Loan (IRRRL) is a simplified refinance with minimal paperwork. VA Cash-Out lets eligible borrowers refinance and take equity out.
A one-time funding fee, not a monthly one
Most VA loans include a one-time funding fee that can be rolled into the loan. It's waived entirely for many veterans with service-connected disabilities.
It's a reusable benefit
VA loan entitlement isn't one-and-done — it can be restored and used again on a future home.
A good fit if you're…
- Veterans and active-duty members buying a home
- VA homeowners who want a simpler refinance
- Eligible surviving spouses
This page is educational and doesn't constitute financial advice or a loan offer. Honest Loans is a lead-generation service, not a lender — program availability, rates, and terms come solely from independent lending partners and are subject to their approval and requirements.
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