A VA-guaranteed benefit for those who served.
Explore VA home loan options for eligible veterans, active-duty service members, National Guard and Reserve members, and eligible surviving spouses. Available options are subject to application review, verification, lender guidelines and underwriting approval.
(938) 201-5656Program availability and eligibility depend on borrower profile, property, credit, income, equity, documentation, lender guidelines, and underwriting approval. This is not a commitment to lend or extend credit. Uptiq Premier Mortgage, LLC | NMLS 2362651. Equal Housing Opportunity.
Quick program summary
A VA loan is a mortgage made by a private lender and partially guaranteed by the U.S. Department of Veterans Affairs for borrowers who meet VA service eligibility requirements.
- Partially guaranteed by the U.S. Department of Veterans Affairs
- For eligible veterans, service members and certain surviving spouses
- Purchase and refinance scenarios may be considered
- Intended for owner-occupied properties under VA occupancy rules
- A Certificate of Eligibility documents entitlement
What is va loans?
The VA does not lend money on a standard VA purchase loan. Private lenders make the loan and the VA guarantees a portion of it, which shapes how lenders review eligible files.
What sets VA apart from conventional and FHA financing is the entitlement structure and the absence of monthly mortgage insurance. In its place, most borrowers pay a VA funding fee, which some borrowers are exempt from under VA rules.
Transactions commonly considered include purchasing a primary residence, refinancing an existing mortgage, and VA-to-VA interest rate reduction refinances for eligible borrowers.
Before requesting a review, it helps to know your service history, whether you have used VA entitlement before, and whether you have a Certificate of Eligibility.
Who may want to explore it?
May be worth exploring if you have eligible military service and plan to occupy the home
Could be considered for a surviving spouse who meets VA eligibility rules
Options may be available for self-employed veterans whose income is documented
May fit borrowers who want to avoid a monthly mortgage insurance payment
Could be considered for eligible borrowers restoring or reusing entitlement
What this program may offer.
A portion of the loan is guaranteed by the Department of Veterans Affairs, which shapes lender review of eligible files.
VA loans do not carry monthly mortgage insurance; a VA funding fee generally applies instead.
Certain borrowers, including some with service-connected disability status, may be exempt from the funding fee under VA rules.
VA entitlement may be restored or reused for a future eligible purchase, subject to VA rules.
Rate-and-term and VA interest rate reduction refinance paths may be available to eligible borrowers.
VA loans may be assumable by a qualified borrower under VA rules and with lender approval.
Important considerations
- A Certificate of Eligibility is required to confirm VA entitlement.
- VA occupancy rules apply; the program is not intended for investment purchases.
- The property must meet VA appraisal requirements, including minimum property requirements.
- A VA funding fee generally applies unless the borrower qualifies for an exemption.
- Lenders may apply their own overlays in addition to VA guidelines.
Options we can review
- VA purchase of a primary residence
- Eligible multi-unit purchase with owner occupancy
- VA rate-and-term refinance
- VA interest rate reduction refinance for eligible borrowers
- Entitlement restoration scenarios
Three steps, no guesswork.
Confirm how VA entitlement, occupancy and the funding fee apply to the purchase or refinance you have in mind.
Share your service status and property goal through the Guide to start a VA review.
A licensed mortgage professional reviews entitlement, documentation and lender options that may be available to you.
Frequently asked questions.
Eligibility is determined by the Department of Veterans Affairs and generally covers qualifying veterans, active-duty service members, certain National Guard and Reserve members, and some surviving spouses.
It is the VA document confirming your entitlement. A lender can often help request it as part of the review process.
VA loans do not carry monthly mortgage insurance. Most borrowers pay a VA funding fee instead, and some are exempt under VA rules.
VA entitlement may be restored or reused for future eligible purchases, subject to VA rules and the status of any prior VA loan.
VA financing carries occupancy requirements and is intended for a home you will live in. Eligible multi-unit properties may be considered when you occupy a unit.
Yes. VA appraisals include minimum property requirements that the home must meet.
Yes, where income can be documented under applicable guidelines. Alternative documentation programs may be compared if tax returns understate earnings.
Other paths worth comparing.
Ready to see what va loans could look like for you?
Start with the UPM Mortgage Guide, then review possible options with a licensed mortgage professional.
(938) 201-5656Program availability and eligibility depend on borrower profile, property, credit, income, equity, documentation, lender guidelines, and underwriting approval. This is not a commitment to lend or extend credit. Uptiq Premier Mortgage, LLC | NMLS 2362651. Equal Housing Opportunity.