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VA Mortgage Loans for Veterans & Service Members

VA loans offer flexible financing for eligible veterans, active-duty service members, and qualifying surviving spouses, with purchase and refinance options backed by the U.S. Department of Veterans Affairs.
  • Highlights
  • Requirements
  • Usage
  • Next Steps
Flexible Financing for Eligible Veterans & Service Members

VA loans are designed to make home financing more accessible for eligible veterans, active-duty service members, and qualifying surviving spouses.

  • Purchase options with no down payment in many cases
  • No monthly private mortgage insurance
  • Competitive fixed-rate mortgage options
  • Purchase and refinance financing availableVA IRRRL streamline refinance options
  • Cash-out refinance options available
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Basic VA Loan Eligibility

VA financing has specific eligibility and property requirements, along with standard mortgage underwriting guidelines.

  • Must meet VA eligibility requirements
  • Certificate of Eligibility may be required
  • Property generally must be your primary residence
  • Credit, income, and residual income requirements apply
  • Property must meet applicable VA standards
  • VA funding fee may apply unless you qualify for an exemption
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Ways You Can Use a VA Loan

VA financing can be used for several home purchase and refinance needs.

  • Purchase a primary residence
  • Refinance an existing mortgage
  • Use a VA IRRRL to refinance an eligible VA loan
  • Access home equity with an eligible VA cash-out refinance
  • Finance eligible single-family homes and approved property types
  • Use VA benefits again when eligibility requirements are met
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See Which VA Options May Work for You

Start with a mortgage application so we can review your goals, eligibility, and available VA financing options.

  • Complete your online application
  • Review your VA eligibility and loan scenario
  • Provide requested income, asset, and property documentation
  • Compare available purchase or refinance options
  • Work with LoanFlight through approval and closing
  • Get help with your Certificate of Eligibility if needed

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LoanFlight Lending, LLC.

NMLS #1522344 

4343 Anchor Plaza Pkwy Ste 210
Tampa, FL 33634
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