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VA Loan Facts

VA Maximum Loan Amounts
Generally may not be more than $203,000.


VA Loan Benefits
No downpayment is required in most cases. Loan maximum may be up to 100 percent of the VA-established reasonable value of the property.

No monthly mortgage insurance premium to pay.

There is a limitation on Closing Costs.

You have the right to prepay loan without penalty.

It's an assumable mortgage, subject to VA approval of the assumer's credit.


VA Loan Questions and Answers

How do I apply for a VA guaranteed loan?
You can apply for a VA loan at any mortgage lender that participates in the VA home loan program. At some point, you will need to get a Certificate of Eligibility from VA to prove to the lender that you are eligible for a VA loan.

How do I get a Certificate of Eligibility?
The lender you select can help you get it.

Can you have multiple VA loans?
Yes, depending on the circumstances. If you have paid off your prior VA loan and disposed of the property, you can have your entitlement restored for additional use. To obtain restoration of entitlement, the veteran must send VA a completed VA Form 26-1880, along with evidence that the property has been disposed of and the loan repaid in full. This evidence can be in the form of a pay-off statement from the former lender, or a copy of the HUD-1 settlement statement completed in connection with the sale of the property. The application can be presented to any VA Regional Office. A veteran can also obtain restoration of entitlement, on a one-time basis, if the prior VA loan has been paid in full but the property has not been sold.

Can I get a VA loan if I have had a bankruptcy in the last few years?
VA credit standards state that a veteran with a bankruptcy less than 3 years ago would generally not be considered a satisfactory credit risk unless: the veteran or spouse has obtained items on credit since the bankruptcy and has paid the obligations in a satisfactory manner for a continued period; and the bankruptcy was caused by circumstances beyond the control of the borrower, which would have to be verified. A bankruptcy discharged discharged 3 to 5 years ago must be given some consideration in the underwriting of the loan. A bankruptcy discharged more than 5 years ago may be disregarded. These are the minimum standards that lenders must follow when making a VA loan. In 95% of the cases, lenders make the decision to approve a loan without VA's prior approval. Keep in mind that lenders also have money at risk in giving you a VA loan, so they may have stricter credit standards than those mandated by VA.

Do I need to occupy the property?
The law requires that you certify that you intend to occupy the property as your home. This requirement is considered satisfied if you actually intend to occupy the property as your home and in fact so occupy it when the loan is closed or within a reasonable time afterward.

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