VA Loans
A home-loan benefit earned through military service.
VA loans are mortgages backed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, and some surviving spouses. Because the VA guarantees part of the loan, lenders can offer strong terms — including buying a home with no down payment.
How it works
$0 down, no monthly mortgage insurance
Qualified borrowers can finance 100% of the purchase price, and VA loans don't carry monthly mortgage insurance — two of the biggest costs of other low-down-payment options.
Streamline and cash-out refinancing
Already have a VA loan? The Interest Rate Reduction Refinance Loan (IRRRL) is a simplified refinance with minimal paperwork. VA Cash-Out lets eligible borrowers refinance and take equity out.
A one-time funding fee, not a monthly one
Most VA loans include a one-time funding fee that can be rolled into the loan. It's waived entirely for many veterans with service-connected disabilities.
It's a reusable benefit
VA loan entitlement isn't one-and-done — it can be restored and used again on a future home.
A good fit if you're…
- Veterans and active-duty members buying a home
- VA homeowners who want a simpler refinance
- Eligible surviving spouses
This page is educational and is not a loan offer or a commitment to lend. All loans are subject to credit approval, income verification, and property appraisal. Program availability, rates, and terms vary and are subject to change without notice. Not all applicants will qualify. Legacy Loans USA, LLC | NMLS #2814261.
Explore other loan programs
Home Purchase
Conventional, jumbo, FHA, and first-time buyer programs with as little as 0–3% down.
Refinance
Lower your rate, shorten your term, or switch loan types with rate-and-term refinancing.
Home Equity / HELOC
Tap your equity for renovations, debt consolidation, or major expenses.
Reverse Mortgage (HECM)
For homeowners 62+: convert home equity into cash with no required monthly mortgage payment.
Self-Employed
Bank-statement and alternative-documentation loans built for business owners.
Investor / DSCR
DSCR and investment-property financing that qualifies on the property's cash flow.