Veterans Administration Loans

VA Home Loan Options

VA home loans are available to eligible veterans, service members, and in some circumstances surviving spouses. The Department of Veterans Affairs sets program rules, while a lender reviews eligibility, income, credit, assets, occupancy, property, and documentation for the individual loan file.

Topics to review

• Certificate of Eligibility and service history requirements.
• Primary-residence occupancy and property eligibility.
• Funding fee, closing costs, seller contributions, and available exemptions.
• Purchase, rate-and-term refinance, and cash-out refinance goals.
• Residual income, debts, credit history, and the documentation needed for underwriting.

Prepare for a careful comparison

A VA loan may offer valuable features for an eligible borrower, but no page can guarantee approval, a zero-down structure, a specific rate, or a particular fee outcome. Compare the full payment and total cost with other eligible options and ask how the proposed loan fits the household budget.

NorthStar Funding can help eligible borrowers organize questions and discuss next steps. This page is educational and is not a loan offer, approval, rate quote, or commitment to lend.