VA Home Loan Entitlement

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How It Works

How Does a VA-Backed Home Loan Work?

With a VA-backed home loan, we guarantee (or stand behind) a portion of the loan you get from a private lender. If your VA-backed home loan goes into foreclosure, the guaranty allows the lender to recover some or all of their losses.

Since there’s less risk for the lender, they’re more likely to give you the loan under better terms. Nearly 90% of VA-backed loans require no down payment.

  • High enough credit score - The VA does not have credit score or DTI (Debt to Income) requirements, but originating lenders can put requirements (overlays) in place
  • Updated home appraisal (an expert estimate of your home’s value)
  • Updated WDI (Termite) Inspection required

VA Loan Types & Eligibility

Purchase Loan

Purchase Loan: Looking to buy a home? VA-backed purchase loans offer better terms than private-lender loans.

IRRRL

Interest Rate Reduction Refinance Loan (IRRRL): Reduce or stabilize your monthly payments on an existing VA-backed loan.

Cash-Out Refinance

Cash-Out Refinance Loan: Take cash out of your home equity to pay off debt, fund school, or cover other needs.

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Eligibility Requirements

Eligibility Requirements

Learn about VA home loan eligibility requirements for a VA direct or VA-backed loan. Request a Certificate of Eligibility (COE) to show your lender that you qualify based on service history and duty status.

Keep in mind that for a VA-backed home loan, you’ll also need to meet your lender’s credit and income requirements.

COE

Can I Get a Certificate of Eligibility?

You may be able to get a COE if:

  • You did not receive a dishonorable discharge
  • You meet the minimum active-duty service requirement based on when you served

Certificate of Eligibility (COE)

Ready to get your COE and start your VA-backed home loan process? Click below to request your Certificate of Eligibility.

Request Your COE

Get Your DD214

Need a copy of your military service record? Click below to access your DD214 and other service documents.

Get Your DD214
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AFFORDABILITY CALCULATOR

Use this calculator to determine how much house you can afford. By entering details about your income, down payment, and monthly debts, you can estimate the mortgage amount that works with your budget.
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Keith & Sheila Campbell

"We had such a great experience working with Keith and Sheila. From the very beginning, Keith never pressured us and always made sure we felt comfortable every step of the way. He guided us with patience, honesty, and clear communication, which made the entire process so much less stressful. What really stood out was the personal touch — Sheila was incredible at keeping our kids busy while we focused on looking at homes. That extra effort meant so much to us as a family. We truly felt supported the whole way through, and it’s clear they both genuinely care about their clients. We would highly recommend Keith and Sheila to anyone looking for realtors who go above and beyond." Ethan Corriere

+1(830) 837-1071

keithcampbellrealtor@gmail.com

Cibolo, TX, 78108, USA

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