Assistance programs

Government Home Loan Assistance Programs


  • Apply Online

    icon:computer; Apply Online for Certificate of Eligibility Apply Now

    Through eBenefits.va.gov

    Recommended

  • or
  • Apply Through
    Your Lender

    If they have access to the WebLGY system (most lenders do)

  • Apply by Mail

    Complete VA Form 26-1880 and mail it to:

    VA Atlanta Regional Loan Center
    Attn: COE (262)
    P.O. Box 100034
    Decatur, GA 30031.

VA home loan programs may be used to obtain homes, condominiums, or manufactured homes; refinance an existing home loan; or install energy-saving improvements. VA offers these three main types of guaranteed home loan benefits:

  • Purchase Loans
  • Cash-Out Refinance Loans
  • Interest Rate Reduction Refinance Loans
Native American Veterans

For Native American Veterans who want to live on Federal Trust land, VA’s Native American Direct Loan (NADL) program is another option. It provides direct loans to eligible Native American Veterans for the purchase, construction, or improvement of a home. Learn more about NADL.

Adapted Homes for Disabled Veterans

VA also offers grants to Veterans with certain service-connected disabilities to build an adapted home or install ramps, widen doors, or make other modifications to live more independently. VA operates three types of grants that accommodate Veterans’ unique circumstances: Specially Adapted Housing, Special Housing Adaptation, and Temporary Residence Adaptation.

Underwriting

Private-sector lenders underwrite and fund VA home loans according to established VA standards. VA’s partial guaranty for these loans means that nearly 90 percent of all VA-guaranteed home loans are made with no down payment required.

Delinquency

If a VA-guaranteed loan becomes delinquent, VA works with the borrower to avoid foreclosure, including providing financial counseling and, in some cases, direct intervention with a mortgage loan servicer on the borrower’s behalf. In 2013, VA loans had the lowest foreclosure rate of all types of loans in the market. If you are a Veteran or Servicemember having difficulty making mortgage payments, call 877-827-3702 to speak with a VA Loan Technician. More information about avoiding foreclosure is at .

Borrowers

Borrowers must have suitable credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan.

Home Loans
  • Suitable credit and sufficient income
  • Certification that you will occupy the home
  • Other documents as needed for obtaining a home loan
Specially Adapted Housing (SAH) Grants
  • A rating by VA that you are as medically eligible for SAH grant benefits
  • Evidence that it is considered medically feasible for you to live in the proposed housing unit and locality
  • A proper relationship between the cost of the proposed housing and your current and future income and expenses
  • Suitability of the dwelling to your needs
  • Proof of ownership, such that the property can be adapted
  • Obtain a home loan COE through eBenefits.va.gov, your lender, or the Atlanta Eligibility Center.
  • Once a VA COE for home loan benefits is obtained, contact several lenders who participate in the VA program to find out which one will offer the most favorable terms for your unique situation.
Specially Adapted Housing Grants
  • Fill out and submit VA Form 26-4555, Application in Acquiring Specially Adapted Housing or Special Home Adaptation Grant.

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