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Settle down with a VA loan.

Start loan prequalification

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Our current VA loan‍ ‍ See note 1 rates

 

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Interest rate‍ ‍ See note 2

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APR‍ ‍ See note 3

Points  §

Find more rates

Check out our VA jumbo loan

How a VA home loan works

A VA loan is a type of mortgage that's backed by the U.S. Department of Veterans Affairs.

$0 down payment option‍ ‍ See note 4

You may not need a down payment for purchases up to $1.5 million.‍ ‍ See note 5

No private mortgage insurance

VA loans don't require private mortgage insurance, or PMI.

Possibility to reuse or refinance

You may have options to reuse your VA loan benefits or refinance.

Who's eligible for a VA home loan?

The VA requires at least one of the following, but other situations could apply. To speak to a loan officer about your eligibility, call 800-531-0341.

  • You served at least 181 days straight during peacetime.
  • You served at least 90 days straight during wartime.
  • You served as a Reservist or in the National Guard for at least 6 years.
  • You're the spouse of a service member who died in action or from a service-related disability.
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Find a payment that works for you.

Use our calculator to find a monthly payment that may work for you and your budget.

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We'll guide you through the process.

Steps to complete We'll guide you through the process.

  1. Get prequalified.‍ ‍ See note 6

    Apply online or call a loan officer at 800-531-0341. If prequalified, we'll give you a letter so you can shop with confidence.

  2. Confirm VA loan eligibility.

    Get a certificate of eligibility, or COE, from the U.S. Department of Veterans Affairs Opens in a new window.

  3. Apply for the loan.

    Once you find a home, finish your application online or call a loan officer. Gather info, like paystubs and statements.

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Why choose us

A top VA home loan lender‍ ‍ See note 7

USAA Bank is a top VA loan lender year after year.

20+ years of experience

USAA Bank has more than 20 years of experience with VA home loans.

Over a century of service

We've served the military since our founding in 1922.

Looking for a real estate agent?

USAA Agent Connection,‍ ‍ See note 8 powered by HomeStory®, connects you with highly rated local agents to help you buy or sell a home.

Plus, you may be eligible to save up to $9,500 at closing.‍ ‍ See note 9

Explore USAA Agent Connection

VA home loan FAQ

You can request a va loan certificate of eligibility COE online, Opens in a New Window. You can also ask your lender to help you get a COE.

The COE confirms that you've met the service requirements needed to get a VA loan. You'll need one every time you apply for a VA loan. For more information, go to the U.S. Department of Veterans Affairs website, Opens in a New Window.

You can buy an existing single-family home, a townhouse or condo, or a new construction. At this time, we don't offer VA loans for mobile or manufactured homes. It must be your primary residence — not a vacation home or an investment property.

The VA has high standards on the condition of the property. So you may have a harder time using a VA loan for a major restoration project. Some lenders may offer special VA programs for homes that need alterations or repairs.

Yes. In some cases, you can reuse your VA loan benefits if you've sold or paid off your VA loan, or if you have leftover entitlement. For more eligibility questions, speak to a loan officer.

It's a one-time, non-refundable fee that you typically pay when you get a VA-backed mortgage. In most cases, you can roll the VA funding fee into the loan. But keep in mind, it’ll add to your overall loan balance.

The fee typically ranges from 1.25% to 3.3% of the loan amount. The exact fee amount is based on the purpose of the loan, your down payment amount, your service history and if you've used your VA loan eligibility before.

Some individuals are exempt from this fee, including:

  • Those who get VA compensation for a service-connected disability.
  • The surviving spouse of a veteran who died in service or from a service-connected disability.
  • Active-duty Purple Heart recipients.

Related articles

VA loans: Your guide to eligibility and benefits

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Read article: VA loans: Your guide to eligibility and benefits

Considering a VA loan? Ask these 5 questions first.

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Read article: Considering a VA loan? Ask these 5 questions first

How to begin your homebuying journey: Get prequalified or preapproved

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Read article: How to begin your homebuying journey: Get prequalified or preapproved

Have questions?

For help, questions or to find out what you may qualify for, give us a call.

Call 800-531-0341

For TTY devices, dial 711

Hours of operation for USAA Bank loan officers

Monday to Friday
7 a.m. to 8 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary

Get the keys to your new home with a VA loan.

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Related footnotes:

  1. VA loans may include a funding fee, which may be financed up to the maximum allowed loan amount.

  2. The advertised rates and points are subject to change without notice at any time and are not available to every borrower. The advertised rates are based on certain assumptions and loan scenarios, and the rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and our internal credit criteria. The advertised rates are based on a fixed rate mortgage loan and rates will vary based on the term of the mortgage loan and property location. Other rates, points, and terms may be available. All loans are subject to credit and property approval. Property insurance is, and flood insurance may be, required.

  3. APR (Annual Percentage Rate) is a rate used to calculate your cost of borrowing in a year. Unlike interest rates, APR factors in the amount borrowed, the interest rate, points, one-time fees, and discounts to determine a more accurate yearly cost. The standardized APR formula is used to make it easier for consumers to compare rates at different businesses.

  4. Zero down payment subject to all VA rules, guidelines, and additional program requirements. If previous entitlement was used, a down payment may be required.

  5. A down payment will be required if the purchase price exceeds $1.5 million. If previous entitlement was used, a down payment may be required.

  6. Our prequalification is not a commitment to lend. Information used to issue the prequalification will require verification during the application process.

  7. In 2025, USAA Federal Savings Bank originated the 12th highest total of VA home loans and in the top 13 lenders for the highest amount of VA loan volume among more than 1,000 lenders. Source: Department of Veterans Affairs Lender Statistics(Opens new window).

  8. USAA Federal Saving Bank (USAA Bank) is offering the service, USAA Agent Connection, with HomeStory Real Estate Services, Inc (HomeStory), a licensed real estate broker, to help members buy or sell a home.

    HomeStory is not affiliated with USAA Bank. USAA Bank is not responsible for the services or commission credit program provided by HomeStory. Obtaining a mortgage from USAA Bank is optional and not required to participate in the service offered by HomeStory. You may arrange for financing with any lender.

  9. To qualify for the commission credit, you must use a real estate agent who participates in HomeStory’s Real Estate Services Inc (HomeStory) broker-to-broker agreement to complete your real estate purchase and/or sale transaction. You have the right to negotiate the terms of your buyer and/or seller representation agreements. Once your transaction closes successfully, your real estate agent pays a referral fee to HomeStory. All participating agents have been vetted by HomeStory to ensure they meet specific performance expectations based on customer satisfaction ratings and prior experience.

    If you are already working with a real estate agent, please disregard this notice.

    Eligibility and Exclusions:

    To be eligible for the commission credit, your real estate transaction must be completed with a participating HomeStory agent. Short sales, employer-sponsored relocations or any transaction where the real estate agent does not receive a commission are excluded.

    State-Specific Commission Credit Information:

    Commission credit availability, type, and amount may vary based on state regulations. No commission credit is available in the states of Alaska, Iowa, Louisiana, Mississippi, Missouri, Oklahoma, Oregon, Kansas and Tennessee.
    A reduced agent commission may be available for sellers and should be discussed with the agent upon enrollment.
    Commission credit amounts are based on the price of the home purchased and/or sold and cannot exceed $9,500 per transaction.

    Commission Credit Issuance and Enrollment:

    Your enrollment is valid for 18 months from the date of enrollment. If 18 months pass without completing a transaction, you must re-enroll to remain eligible for any commission credits. Any commission credit that you earn does not expire.
    Commission credit eligibility, type, and amount is subject to change at any time, with or without prior notice. This includes, but is not limited to, changes required to comply with federal, state, or local laws and regulations. Any modifications to the service will apply to all enrollments and transactions that have not yet closed as of the effective date of the change. USAA Federal Savings Bank (USAA Bank) is not responsible for commission credit issuance.
    USAA Bank (Lender NMLS 401058) does not perform any activity that is or could be construed as unlicensed real estate activity, and USAA Bank is not licensed as a real estate broker. Employees of USAA Bank are not authorized to perform real estate activity.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  2. USAA Federal Savings Bank offers mortgage products to members where the property is located within the Continental United States, Alaska, Hawaii, and the District of Columbia. Excludes properties within U.S. Territories. In certain states, product restrictions may apply.

  3. Members must meet all VA eligibility requirements when applying for a VA loan. Speak with a USAA Bank Loan Officer to review current VA eligibility requirements.

  4. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

  5. Home loans subject to credit and property approval.

  6. "USAA Bank" means USAA Federal Savings Bank.

  7. Bank products offered by USAA Federal Savings Bank.

  8. USAA is an Equal Housing Lender

  9. USAA FSB NMLS 401058

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