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VA home loans help Veterans like you build, buy, improve, or refinance a home. A VA loan may offer better terms than with a traditional loan from a private bank, mortgage company, or credit union. Nearly 90% of VA-backed loans are made with no down payment.
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VA Home Loans. The first unique characteristic about VA Loans is the government agency backing this program: The United States Department of Veterans Affairs. The second unique characteristic about VA Loans and home buying programs is that they are offered to qualifying veterans and/or surviving spouses. Qualified borrowers can take advantage of several perks, but must go through a VA Loan-Approved Lender.