VA LOAN PROGRAM

Exclusive government-backed financing benefits for eligible veterans and active-duty service members

Loan Programs

VA Loan Program

A powerful home financing option designed to help eligible veterans, active-duty service members, and qualified surviving spouses purchase or refinance a primary residence with borrower-friendly benefits.

Program Overview

The VA Loan Program is designed to help eligible veterans, active-duty service members, and qualified surviving spouses access a flexible path to homeownership. With benefits like no down payment options, no monthly private mortgage insurance, and borrower-friendly qualification features, this program can be a strong solution for eligible buyers purchasing or refinancing a primary residence.

Program Features

↗

Designed for eligible veterans, active-duty service members, and qualified surviving spouses.

↗

Eligible borrowers may qualify with no down payment requirement.

↗

No monthly private mortgage insurance is required.

↗

Can be used for eligible primary residence purchase and refinance scenarios.

↗

May offer flexible credit and qualification guidelines for eligible borrowers.

↗

VA funding fee, entitlement, property eligibility, and occupancy requirements should be reviewed with a loan officer.

Why Choose This Program?

↗

Helps eligible service members and veterans use a valuable homeownership benefit.

↗

Can reduce upfront cost barriers with no down payment options for qualified borrowers.

↗

No monthly PMI can help improve affordability compared with many low down payment programs.

↗

Gives realtors another strong financing solution for eligible military and veteran buyers.

↗

Can support eligible borrowers purchasing a primary home or refinancing an existing VA-eligible mortgage scenario.

↗

Creates a clear path to review entitlement, payment goals, property eligibility, and next steps with a loan officer.

Who This Program Is Great For?

↗

Eligible veterans purchasing or refinancing a primary residence.

↗

Active-duty service members ready to explore VA home financing.

↗

Qualified surviving spouses who may be eligible for VA loan benefits.

↗

Borrowers who may benefit from no down payment and no monthly PMI options.

↗

Military families looking for a borrower-friendly primary residence financing solution.

↗

Realtors working with eligible military, veteran, or surviving spouse homebuyers.

Download Loan Program

Preview the loan program sheet and download the full VA Loan Program details instantly.

Co-Brand Loan Program

Access the co-branded version to share this VA Loan Program with your clients and referral partners.

Need Help Structuring a VA Loan?

Connect with a loan officer to review your borrower scenario, eligibility, and best next step.

Connect To A Loan Officer

VA Loans at a Glance

Quick answer: A VA loan is a government-backed mortgage for eligible veterans, active-duty service members and certain surviving spouses, with 0% down payment and no monthly mortgage insurance. Eligibility is confirmed with a Certificate of Eligibility, and loans are subject to underwriting and VA guidelines. Last reviewed: November 2026.

0%
Down payment
No
Monthly mortgage insurance
COE
Eligibility certificate
VA
Government-backed

More VA Loan Details

  • A VA funding fee may apply, with exemptions for some borrowers such as those receiving VA disability compensation
  • Primary residence only; the borrower must intend to occupy the home
  • Purchase and refinance options, including cash-out and rate-and-term refinances
  • Credit, income and property requirements vary by lender overlay and program

VA Loan FAQs

What is a VA loan?

A mortgage guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, service members and certain surviving spouses, offered through approved lenders.

Do I need a down payment for a VA loan?

Often no. Eligible borrowers can finance up to 100% of the purchase price in many cases, subject to entitlement, loan amount and appraisal.

Do VA loans require mortgage insurance?

No monthly mortgage insurance. Most borrowers pay a one-time VA funding fee, which can be financed, and some borrowers are exempt.

How do I prove I am eligible for a VA loan?

With a Certificate of Eligibility (COE), which a loan officer can often request for you. Eligibility depends on service history and discharge status.

Can I use a VA loan more than once?

Often yes. VA entitlement can be reused or restored in many situations, subject to remaining entitlement and VA rules.

Can mortgage brokers submit VA loans to TAG?

Yes. Licensed brokers can submit files through TAG's wholesale channel in the states where TAG is licensed as a lender. No approval or closing date is guaranteed.

VA Loan FAQ

Who qualifies for a VA loan?

Eligible veterans, active-duty service members, certain National Guard and Reserve members and some surviving spouses, with a Certificate of Eligibility from the VA.

Do VA loans require a down payment?

Eligible borrowers with full entitlement can buy with no down payment, and VA loans do not require monthly mortgage insurance. A VA funding fee applies unless the borrower is exempt.

Can I use a VA loan to buy a condo in Florida?

Yes, if the condo project is VA-approved. Your TAG loan officer can check the project before you make an offer. TAG Lending Group (NMLS #2329372) lends in FL, GA, MI, NM, OH, SC, TN and TX.

×

⭐ Our Google Reviews

Geraldine ⭐⭐⭐⭐⭐ I had the absolute pleasure of working with Tag Lending Group and can't say enough about the incredible experience...
Jaelyn ⭐⭐⭐⭐⭐ Vera was extremely helpful during our home buying process. The whole team made it so smooth and stress-free...
Logan ⭐⭐⭐⭐⭐ Anthony was fantastic and informative. They made my tricky situation look easy and worked hand in hand with me...
Some additional information in one line
Some additional information in one line