{"id":169,"date":"2023-01-19T04:31:21","date_gmt":"2023-01-19T04:31:21","guid":{"rendered":"https:\/\/www.privamortgage.com\/blog\/?p=169"},"modified":"2023-01-19T05:19:02","modified_gmt":"2023-01-19T05:19:02","slug":"complete-guide-to-the-va-loan","status":"publish","type":"post","link":"https:\/\/www.privamortgage.com\/blog\/complete-guide-to-the-va-loan\/","title":{"rendered":"VA Loans: A Complete Guide to How They Work"},"content":{"rendered":"<p><span data-preserver-spaces=\"true\">VA loans are one of the most flexible and competitive loans available today. It\u2019s only available to veterans and some current military members, but it\u2019s a great program to consider if you&#8217;re eligible.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Here\u2019s what you must know about how they work and what\u2019s required to qualify.<\/span><\/p>\n<h2><strong><span data-preserver-spaces=\"true\">What is VA Loan?\u00a0<\/span><\/strong><\/h2>\n<p><span data-preserver-spaces=\"true\">A <strong>VA loan<\/strong> is a government-backed loan for veterans, current military members, and surviving spouses. It\u2019s a flexible loan program to help those who serve our country afford a home.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">VA loans have the most flexible guidelines compared to other loan programs, making it easy for veterans and military members to secure financing.<\/span><\/p>\n<h2><strong><span data-preserver-spaces=\"true\">\u00a0How Do VA Loans Work?\u00a0<\/span><\/strong><\/h2>\n<p><span data-preserver-spaces=\"true\">The VA backs VA loans. This means they guarantee the loan for lenders. If a borrower defaults, the VA pays the lender back 25% of the amount lost.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Most VA borrowers don\u2019t need a down payment if they have full entitlement from the VA. For example, you have full entitlement when you haven\u2019t used your VA loan benefits yet, or if you did, but you sold the home and repaid the debt.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">If you don\u2019t have full entitlement, you may still qualify for VA financing but with a down payment. For example, full entitlement is $144,000. If you used some and didn\u2019t reinstate it, you can use what\u2019s left.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">If you used your entitlement already, you\u2019re subject to the\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.fhfa.gov\/DataTools\/Downloads\/Pages\/Conforming-Loan-Limit.aspx\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">VA county loan limits<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0and will likely need a down payment to total 25% of the loan amount between the guarantee and your down payment.<\/span><\/p>\n<h2><strong><span data-preserver-spaces=\"true\">What are the Types of VA Loans?<\/span><\/strong><\/h2>\n<p><span data-preserver-spaces=\"true\">There are three types of VA loans:<\/span><\/p>\n<ul>\n<li><strong>Purchase<\/strong><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">A purchase VA loan is used to buy a home. Most veterans get 100% of the sales price if they have full entitlement. Otherwise, you may need a down payment as determined by the lender. Purchase loans are strictly for owner-occupied properties.<\/span><\/p>\n<ul>\n<li><strong>VA IRRL<\/strong><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">VA Interest Rate Reduction <a href=\"https:\/\/privamortgage.com\/get-started\">Refinance Loans<\/a> are for veterans who already have a VA loan and want to refinance it. The IRRRL program doesn\u2019t require a credit, income, or loan-to-value ratio check. If you make your payments on time and you\u2019ve had the loan for at least 210 days, you may be eligible to refinance for a lower rate or better term.<\/span><\/p>\n<ul>\n<li><strong>VA Cash-Out Refinance<\/strong><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">The VA <a href=\"https:\/\/www.privamortgage.com\/blog\/cash-out-refinance\/\">cash-out refinance<\/a> allows veterans to cash into their home\u2019s equity. You earn equity in the home as you pay the balance down. Equity is the difference between the home\u2019s value and your mortgage balance. If you have enough income and few liabilities, you may qualify to borrow the equity, receiving the cash in hand.<\/span><\/p>\n<h2><strong><span data-preserver-spaces=\"true\">VA Loan Eligibility Requirements\u00a0<\/span><\/strong><\/h2>\n<p><span data-preserver-spaces=\"true\">To get a VA loan, the following VA service requirements are required:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Served at least 24 months or 90 consecutive days for which you were called to service<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Served at least 90 consecutive days in active duty in the National Guard or Reserves<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Are a surviving spouse that lost their husband or wife in the line of duty or because of their time in the service<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">If you\u2019re eligible, you\u2019ll have a Certificate of Eligibility. You may already have it, or you can request it from your local VA office if you don&#8217;t. Your lender may also be able to help you get it.<\/span><\/p>\n<h2><strong><span data-preserver-spaces=\"true\">VA Loan Qualification Requirements<\/span><\/strong><\/h2>\n<p><span data-preserver-spaces=\"true\">Proving you\u2019re eligible for a VA loan is the first step. Next, you must prove you qualify for the loan. In other words, you must prove you can afford it.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Here\u2019s how.<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Minimum 620 credit score \u2013 The VA doesn\u2019t have a set credit score requirement, but most lenders require at least a 620. This is much lower than conventional loan requirements and allows veterans more flexibility.<\/span><\/li>\n<\/ul>\n<ul>\n<li><span data-preserver-spaces=\"true\">Maximum 43% &#8211; 50% debt-to-income ratio \u2013 Like credit scores, the VA doesn\u2019t require a maximum debt-to-income ratio. However, most lenders allow up to a 43% &#8211; 50% DTI depending on your other qualifying factors.<\/span><\/li>\n<\/ul>\n<ul>\n<li><span data-preserver-spaces=\"true\">Meet the disposable income guidelines \u2013 The VA requires specific amounts of disposable income depending on where you live and your family size. They require this to ensure you can comfortably afford the new mortgage, your debts, and the daily cost of living.<\/span><\/li>\n<\/ul>\n<ul>\n<li><span data-preserver-spaces=\"true\">Proof you\u2019ll live in the property \u2013 VA loans are for owner-occupied uses only. So you must prove you intend to live in the property.<\/span><\/li>\n<\/ul>\n<ul>\n<li><span data-preserver-spaces=\"true\">Stable employment \u2013 You must have two years of stable employment or employment in the same industry with consistent pay. If you changed jobs within the last two years, you might need to prove you have the training, education, or experience to succeed.<\/span><\/li>\n<\/ul>\n<h2><strong><span data-preserver-spaces=\"true\">\u00a0VA Loan Benefits\u00a0<\/span><\/strong><\/h2>\n<p><span data-preserver-spaces=\"true\">Like most loan programs, there are specific benefits of VA loans, including the following:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">No down payment required<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Flexible underwriting guidelines<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">No loan limits if you have full entitlement<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">No Private Mortgage Insurance<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">Competitive interest rates and closing costs<\/span><\/p>\n<h2><strong><span data-preserver-spaces=\"true\">VA Loan Restrictions\u00a0<\/span><\/strong><\/h2>\n<p><span data-preserver-spaces=\"true\">The VA loan program has some restrictions you must know before applying:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">You must have available VA entitlement to be eligible<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">You must live in the property you\u2019re buying as your full-time residence<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">If you don\u2019t have full entitlement, you must abide by the VA loan limits by county<\/span><\/p>\n<p>Also Read : <a href=\"https:\/\/www.privamortgage.com\/blog\/how-to-refinance-a-second-mortgage\/\">How to Refinance a Second Mortgage<\/a><\/p>\n<h2><strong><span data-preserver-spaces=\"true\">How to Apply for a VA Loan\u00a0<\/span><\/strong><\/h2>\n<p><span data-preserver-spaces=\"true\">It\u2019s simple to apply for a VA loan. Even though the VA backs it, you get the loan from any approved VA lender. Of course, you can shop around to find the best rates and terms to get the most attractive loan terms.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">To apply, you must complete a loan application and provide qualifying documentation for your income, assets, and liabilities.\u00a0<\/span><\/p>\n<h2><strong><span data-preserver-spaces=\"true\">Final Thoughts<\/span><\/strong><\/h2>\n<p><span data-preserver-spaces=\"true\"><strong>VA loans<\/strong> are a great option for veterans and current military members. With no down payment requirements and flexible underwriting standards, it\u2019s easy to see why it\u2019s a great program. If you have any questions about the program, please feel free to reach out!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>VA loans are one of the most flexible and competitive loans available today. It\u2019s only available to veterans and some current military members, but it\u2019s a great program to consider if you&#8217;re eligible. Here\u2019s what you must know about how they work and what\u2019s required to qualify. What is VA Loan?\u00a0 A VA loan is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":170,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[14],"tags":[112,43,113,31,19,109,110,114,111,71,108],"class_list":["post-169","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage","tag-buying-a-home-with-a-va-loan","tag-cash-out-refinance","tag-conventional-mortgage-loan","tag-mortgage","tag-priva-mortgage","tag-types-of-va-loans","tag-va-loan-benefits","tag-va-loan-process","tag-va-loan-requirements","tag-va-loans","tag-what-is-va-loans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>VA Loans: A Complete Guide to How They Work<\/title>\n<meta name=\"description\" content=\"VA loans provide 100% financing for veterans and current military members. 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