What is a VA loan and who qualifies?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs and earned through qualifying military service. It is available to eligible veterans, active-duty service members, certain National Guard and Reserve members, and qualifying surviving spouses. Mortgage Go originates VA loans through licensed loan officers in the states where each officer is individually licensed.
Who it's for
Eligible veterans, active-duty service members, National Guard and Reserve members, and qualifying surviving spouses.
Who it's not for
Anyone who does not have VA entitlement — eligibility is the gating factor.
Benefits
- Down-payment minimum that conventional loans cannot match.
- No private mortgage insurance.
- Competitive interest rates earned through service.
- Reusable VA entitlement for future home purchases.
Key facts
- Minimum down payment
- Placeholder — pending compliance
- Minimum credit score
- Placeholder — pending compliance
- Loan term
- 15 or 30 years
- Eligibility
- VA Certificate of Eligibility required
VA funding-fee calculator
VA funding-fee calculator embeds here in Phase 2.
Frequently asked questions
Who qualifies for a VA loan?+
Active-duty service members, veterans who meet service requirements, members of the National Guard and Reserves, and certain surviving spouses. Eligibility is confirmed through a VA Certificate of Eligibility (COE).
Can I use a VA loan more than once?+
Yes. VA entitlement can be restored and reused for subsequent home purchases as long as the eligibility requirements continue to be met.