Traditional Home Loans
VA Loans
Eligible veterans, service members, and surviving spouses
Traditional Home Loans
VA Loans
Overview
VA loans are guaranteed by the U.S. Department of Veterans Affairs and are available to eligible veterans, active-duty service members, and certain surviving spouses. They often allow financing with no down payment for qualifying borrowers and do not require monthly private mortgage insurance.
Documentation paths
- Certificate of Eligibility (COE)
- W-2s, pay stubs, or military LES
- Standard asset and credit documentation
Common use cases
- Purchase with no down payment for eligible borrowers
- VA-to-VA and VA cash-out refinance
Things to consider
- Eligibility depends on service history and is verified through a Certificate of Eligibility.
- A VA funding fee generally applies, with some exemptions based on service-connected disability status.
Frequently asked questions
Who is eligible for a VA loan?
Eligibility generally depends on length and character of service. A Certificate of Eligibility confirms your specific eligibility status.
Related programs
- Conventional LoansStandard conforming financing for purchase and refinance.
- Home Purchase LoansA guided purchase-financing path for conventional, government-backed, and specialty income scenarios.
- Cash-Out RefinanceReplace your current mortgage with a new, larger loan and receive the difference in cash.
Next step
Ready to talk it through?
A QuestRock specialist can walk through this program against your specific scenario — no commitment required.
VA guidelines and funding-fee amounts are set by the Department of Veterans Affairs and subject to change.
Written by QuestRock Content Team · Reviewed by Pending compliance sign-off · Last reviewed July 29, 2026