VA Home Loan
A mortgage option designed for eligible veterans, service members, and qualifying spouses who have earned this benefit.
Estimate your monthly payment
Enter an interest rate to see your payment.
For illustration only. Not a loan offer or rate quote. Principal and interest only. NMLS #1748450 · Equal Housing Opportunity.
A good fit if a few things describe your situation.
You served
For eligible veterans, active service members, and qualifying spouses.
You want a low-down-payment option
VA loans may offer a low or zero down payment for eligible buyers.
You plan to occupy the home
VA loans are intended for homes you intend to occupy as your residence.
What to know about this program.
We confirm your eligibility, help you obtain your Certificate of Eligibility, and guide you through the VA-guaranteed loan process from application to closing.
Designed for eligible veterans,
service members, and qualifying spouses
May offer a low
or zero down payment for eligible buyers
No mortgage insurance requirement
in many cases
Available for purchase or
qualifying refinance
Your path to closing
A considered, white-glove process — from first conversation to final signature.
Pre-approval
Share your financials to see how much you can borrow.
Loan application
Find a home in your budget and formally apply.
Rate lock
Lock in your rate while your loan moves forward.
Processing
We verify your documents, appraisal and title.
Underwriting
The underwriter reviews and clears your file.
Closing
Sign your final documents and get your keys.
Loans tailored for your unique needs.
Not sure which loan fits?
Get a quote and a licensed loan officer will help match a program to your goals.
Never miss a rate drop.
Tell us what you’re shopping for. We’ll email you when rates drop for a scenario like yours.
Frequently asked questions
What our clients say.
Genuine Google reviews from Vesta Lending clients.
From the blog
Learn from us
Buying a Condo? What Mortgage Lenders Check Before Approval
Buying a condominium? Learn how lenders evaluate condo projects, HOA finances, insurance, property condition and mortgage eligibility.
Second Home vs. Investment Property: Understanding Mortgage Differences
Planning to buy another property? Understand the differences between second-home and investment-property mortgages, occupancy and financing considerations.
10 Things to Avoid Before Closing on Your Mortgage
Getting ready to close on your home? Discover 10 financial mistakes to avoid while your mortgage moves through final underwriting.
Mortgage Escrow Accounts Explained: Taxes, Insurance and Monthly Payments
Learn how mortgage escrow accounts work, how property taxes and insurance affect payments, and what to know about escrow shortages.
Ready to see your options?
Take the next step and explore financing options based on your homeownership goals.
(866) 506-8899