VA home loans with $0 down options—guided by a team that speaks your language

Eligible borrowers with full entitlement may finance with little or no down payment and no monthly PMI. A VA funding fee may apply unless you are exempt. National VA Loans helps eligible veterans, active duty service members, National Guard and Reserve members, and surviving spouses use their VA home loan benefit to buy, build, renovate, or refinance.

VA loan options

Explore VA purchase, refinance, renovation, construction, jumbo, and manufactured home paths in one place.

  • VA home loan — Buy a primary residence with VA purchase financing when entitlement and underwriting support it.
  • VA IRRRL — Streamline refinance path for an existing VA loan when a rate or payment change is the goal.
  • VA cash-out refinance — Refinance and potentially access home equity, subject to appraisal and underwriting.
  • VA renovation loan — Learn how VA renovation financing works and what lenders may require.
  • VA construction loan — One-time close construction-to-permanent financing for building a new primary residence.
  • VA jumbo loan — Learn how VA loans work above county limits.
  • VA manufactured home loan — Financing path for eligible manufactured housing when the home and land meet VA rules.

Why You Can Trust This Guidance

VA-approved lender powered by Stride Bank, NMLS #466690.

Educational content is reviewed for clarity and lending context; personalized eligibility requires borrower-specific review.

National VA Loans is not affiliated with the Department of Veterans Affairs or any government agency.

Last reviewed: June 2026

Helpful Sources and Related Guides

VA home loan overviewVA Certificate of Eligibility guideVA loan process guide

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