Skip Header
U.S. flag

An official website of the United States government

Community Affairs – Affordable Mortgage Lending Center

Affordable Mortgage Lending Guide,
Part I: Federal Agencies and Government Sponsored Enterprises

U.S. Department of Veterans Affairs

Part of the mission of the U.S. Department of Veterans Affairs (VA) is to enable service members, veterans, and eligible surviving spouses to become homeowners. The VA provides a home loan guaranty benefit and other housing-related programs to help buy, build, repair, retain, or adapt a home for owner occupancy. VA home loans are provided by private lenders, such as banks and mortgage companies. By obtaining a guaranty for a portion of the loan, private lenders are able to provide borrowers with more favorable terms, such as zero down payments.

Overview: Doing Business with the U.S. Department of Veterans Affairs – PDF

Home Purchase Loan Program – PDF

Interest Rate Reduction Refinance Loan – PDF

PDF Help