Every year, VA-guaranteed home loans help thousands of Veterans buy their very own home—with no down payment required. VA also provides loans and grants to Veterans with service-connected disabilities for housing alterations such as ramps and widened doors.

On April 27, VA partnered with the National Association of Realtors to answer questions on Facebook about VA home loans and housing-related assistance. The chat addressed questions about eligibility for VA-guaranteed loans, the benefits of using VA home loans, issues involving credit history or bankruptcy, and much more.

Check out some of the questions and answers from the chat below.

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What is a VA-guaranteed home loan?

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What kind of benefits can VA home loan programs provide Veterans with?

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Veterans can apply for a Certificate of Eligibility for a VA home loan online or through their lender. To learn more about VA home loans or apply online, visit ExploreVA.

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VA does not have a minimum credit score requirement, but lenders may have their own credit review policies.

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If you have bankruptcy in your history, you can still receive a Certificate of Eligibility from VA; it is then the lender’s choice whether or not to provide you with a home loan.

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VA also offers Interest Rate Reduction Refinancing Loans (IRRRL). To learn more about IRRRL and other VA refinancing options, visit ExploreVA.

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Thank you to NAR for hosting this ExploreVA Facebook Chat, and thank you to those who participated. Be sure to check out the ExploreVA events page for future digital events.

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You can learn more about VA home loans and housing assistance by visiting the ExploreVA website, as well as VA’s website on home loans.

To view the chat in its entirety, visit the National Association of Realtors Facebook page.

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  1. Scott Sturkol May 17, 2016 at 9:27 am

    The idea that you don’t need an absolutely perfect credit report to get a VA home loan is really not true. I’ve personally seen this happen and have been told likewise. My point in this is why is there a home loan program at all because no veteran is guaranteed a loan. If I have to have a perfect credit rating, I would think I could get a home loan without the VA. There has to be a way to make this process better and there has to be a way where veterans can utilize the program without being so scrutinized over past credit mistakes that were the result of trying to survive while serving in uniform.

  2. Albert P. Gsell May 16, 2016 at 12:20 pm

    I am veteran and I retired from the U.S. Air Force in the beginning of 2015.

    I have been appealing my disabilities with the VA since then but, they have been giving me the run around on my permanent disabilities and have kept me on the temporary disability list while at the same time they immediately said they will lower my disability ratings as soon as I am up for evaluation in less than 4 years like they have done to so many other veterans that got messed over by them.

    I got in touch with the VA congressional aid multiple times, but they did not do anything to help me.

    I wish some at the VA would help me get this resolved.

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