VA Loan Requirements
See if you meet the requirements to use your cost-saving VA loan benefits in 2026.
Check your eligibilityHomeownership
Made Possible
The VA Native American Direct Loan (NADL) Program helps Native American Veterans, service members, and eligible surviving spouses achieve the dream of homeownership.
- No Down Payment
- No Monthly Mortgage Insurance
- Competitive Interest Rates
- Flexible Credit Guidelines
- Lower Upfront Costs
- Proudly helping those who have served.
Estimate Your Mortgage
$100K$1M+
$0$200K+
3%8%+
This calculator is for estimate purposes only and does not include taxes or insurance.
VA Loan Resources
VA Loan Refinance
Lower your rate or turn your equity into cash with a VA-backed refinance.
Explore refinance optionsVA Loan Calculator
Estimate a monthly mortgage payment that fits your budget including taxes and insurance.
Calculate mortgage paymentToday’s VA Loan Rates
See the latest available VA loan interest rates and get a personalized quote for your scenario.
View today’s ratesFirst-Time Homebuyers
Find out why VA loans can be ideal for Veterans and military families buying their first home.
Learn moreStart Your VA Loan
Take the first step toward homeownership with a clear VA loan review and financing plan.
Get started nowGet More From Your VA Benefit
A home loan benefit earned through service.
VA-backed mortgages can remove some of the biggest barriers to homeownership for eligible Veterans and military families.
- 0% Down
- Qualified borrowers may be able to purchase without a down payment.
- No PMI
- VA loans do not require monthly private mortgage insurance.
- Competitive
- VA financing can offer attractive terms for qualified borrowers.
- Reusable
- Your VA home loan benefit may be available again when entitlement requirements are met.
VA Homebuying Education, Without the Jargon
Learn the essentials before you start shopping.
VA Basics
What a Certificate of Eligibility actually tells you
Homebuying
What to prepare before you make an offer
VA Benefits
How your VA entitlement can be used again
Talk With a VA Loan Specialist
Tell us what you’re hoping to do. We’ll review your goals and explain the VA financing options LoanCity Mortgage can provide.