Application Center
  Loan Programs

Find the Best VA House Loan Offer with No obligation.

Apply in 30 seconds with one quick, easy form. Check VA home loan rates & get a free personal loan quote.

VA House Loan

Veteran Home Buying Loans with No Down Payment

Borrowers with military credentials are awarded with VA house loans with great low rates and zero down-payment requirements. Nationwide Mortgages offers VA home loan programs for all types of veterans. Compare VA loan rates, and VA house loan guidelines for buying and refinancing.

VA House Loans

Preferred Loan Type:
Property Value:

Credit Rating:
Property Type:

Did you know that credit scores are not the most important factor determining whether a person qualify for a VA house loan? VA lenders are less concerned about fico scores and more concerned about determining whether or not a borrower can afford to make their mortgage payment. Nationwide Mortgages is proud to offer affordable VA house loans to military borrowers without requiring any deposit or down-payment.

  • VA House Loans for 100% Financing
  • 100% LTV on Home Purchase or Rate Refinancing
  • High Balance Loan Amounts allowed range from $417,000 to $729,000  
  • No Minimum Credit Score with VA
  • Refinance for Cash Back with only 10% Equity
  • Debt to Income Ratio Up to 55% on case by case
  • Refinance if Rates Drop with VA Streamline
  • VA House Loan requires zero down
  • No Deposit Required with VA Home Buying
  • No Mortgage Insurance on VA Home Loans
  • No Funding Fee for Disabled Veterans
  • Competitive Interest Rates


100% VA House Loans with No Down Payment Needed

VA mortgage are the preferred choice to borrowers looking to qualify for a military loan that requires zero down or monthly insurance premiums.

  • Finance a New Home
  • Refinance into a VA house loan with lower mortgage payment.
  • Low Interest Purchase on VA home mortgage
  • No Mortgage Insurance
  • Poor or Limited Credit allowed with VA loan programs
  • 100% Financing with VA house loans
  • 90% Cash Out with VA loan

Helpful Info for VA Loans

We suggest VA home loans to all eligible veterans who are looking for low rate mortgages with no mortgage insurance and zero down-payment.

The Department of Veteran Affairs guarantees VA house loans for borrowers with a military background.

Learn More about House Buying Grants from Government Sources looking to Stimulate Homeownership on a Local Level

Down Payment Assistance Home Loans  

Low Income Home Loans


How to Qualify for a VA Home Loan Programs

Home loans are one of the driving forces behind our economy, and being able to secure a home loan is a key part of many people's dreams for themselves, their future, and their family. For veterans, there are numerous programs set up to help them qualify for a home loan and get the house of their dreams. A VA home loan can offer a lot of benefits to veterans, especially first time home buyers. Advantages include:

  • Low interest rates on VA home loans
  • Better overall terms
  • No down payment required in many cases
  • Guaranteed by the Federal Government
  • Easier to qualify with Veteran loans

There are even VA loans for bad credit holders, helping make it easier for them to obtain the home loan they need to get into their perfect home. There are a few basic VA home guidelines you'll need to meet in order to qualify for one of these loans. The key requirements include:

  • You must meet basic credit guidelines. There are certain loans that are designed for those with poor credit, but the best VA loans will still require you to meet basic credit guidelines. The VA may be the last to offer guarantees first time home buyer loans for bad credit and zero down payment.
  • The home purchased with the loan must be used for your own occupancy. It can't be used as a rental property, investment property, or even a second home.
  • You also must meet certain income requirements. Things like debt to income ratio will still apply in veterans home loans, so it's important to keep a good employment history and income level in place if you want to qualify for one of these loans.
  • You must acquire a Certificate of Eligibility.

That final point the Certificate of Eligibility, or COE, is the key to getting a VA home loan. The COE proves that you are a veteran and that you meet some basic requirements. To be eligible for a COE, you must meet the following basic requirements.

  • Have served in the military for a set period of time ranging from 90 total days up to 181 continuous days in order to qualify for 'veteran' status.
  • Have been discharged under any condition other than dishonorable.
  • Still be serving in the military and been serving for 90 continuous days in order to qualify for 'active' status.
  • Spouses may also qualify for eligibility if they are the spouse of a veteran who died during service. However, the spouse cannot be remarried. Spouses of totally disabled veterans or spouses of service members who are POWs or MIA are also eligible.

Once these basic conditions are met, a VA home loan may be acquired. These loans can be used to buy or even build a home, and can be used to improve a home in various ways as well. They're incredibly flexible and offer one of the best paths to home ownership available today. As a result, many veterans choose to utilize these loans on a regular basis. Finding a good VA mortgage lender is the first step towards securing your VA loan and moving towards owning the home you've always dreamed of calling your own.

Apply Online or Call our Friendly & Experienced Loan Department for a Free VA House Loan Quote


This is not an advertisement for credit. See Privacy for Details. Nothing on this web site contains an offer promise either to make a mortgage loan or that any participating lender will guarantee any home loan for any purpose or on any specific terms. VA house loans cannot be made online or be approved without an underwriter analyzing your credit score, debt to income ratio and combined loan to value. Nationwide has no affiliation with the Department of Veterans Affairs or any other official government entity.

Home | Company Profile | Free Loan Quotes | Articles | Warranties and Terms

©2000-2017 - All rights reserved.
Interest rates and requirements are subject to change on the "low down payment mortgage"