VA Home Loan Benefits You Can’t Miss

If you served (or are serving) our country, the VA Home Loan Guaranty can make buying a home easier. Backed by the U.S. Department of Veterans Affairs, this program helps service members, veterans, and surviving spouses purchase a home with powerful financial benefits.

How the Program Works

First, you secure financing through a bank, credit union, or mortgage company. Then, the VA guarantees part of the loan. This reduces the lender’s risk and allows you to access better terms.

Key Benefits of a VA Loan

VA loans stand apart from conventional mortgages in many ways:

• No Down Payment: Buy a home with $0 down if the price does not exceed the appraised value.

• Lower Interest Rates: Enjoy rates that are often below conventional loan options.

• No PMI or MIP: Skip private mortgage insurance and save money each month.

• High Loan Flexibility: While the VA sets no federal cap, most lenders follow conventional limits—$806,500 in 2025.

• Assumable Loans: A qualified buyer can take over your loan, which is appealing if rates rise.

Who Can Qualify?

The VA loan program covers a wide range of service members and families:

• Active-duty service members with at least 90 continuous days of service

• Veterans with 24 months of service (or meeting specific criteria)

• National Guard and Reserve members who meet service requirements

• Un-remarried surviving spouses of veterans under certain conditions

Certificate of Eligibility (COE)

You need a COE to prove you qualify. Here’s how you can apply:

• Request it through your lender

• Apply online through the VA portal

• Mail VA Form 26-1880

With a COE in hand, you’re ready to move forward with confidence.

Why Work With a REALTOR®?

Buying a home is one of life’s biggest financial decisions. Veterans often face unique needs during this process. That’s why working with a REALTOR®—especially ME who has earned my Military Relocation Professional (MRP) certification—makes sense.

In addition, recent reforms allow veterans to compete on equal footing in today’s market. By removing old restrictions on agent compensation, VA buyers now have more opportunities.

With me as your REALTOR® by your side, you gain expert guidance every step of the way; from finding the right home to closing the deal.

For a full overview of the home-buying journey in our area, check out my Step-by-Step Guide to Buying Your Home in Southwest Michigan —complete with local insights and what to expect at each step.

Final Thoughts

The VA Home Loan Guaranty gives back to those who gave so much. With no down payment, lower rates, and no PMI, this program honors your service while making homeownership achievable.

So, if you are a veteran, active-duty service member, or surviving spouse, take advantage of these benefits. And when you’re ready, partner with a trusted REALTOR® who understands the process and will help you every step of the way.

➡️ Learn more directly from the VA’s official home loan page.

👉 Thinking about buying a home with a VA loan? Let’s connect today and start your journey toward homeownership.