With a loan guaranteed by the U.S. Department of Veterans Affairs, veterans and some surviving spouses can buy a house without a down payment or private mortgage insurance. Interest rates are competitive and credit requirements typically much looser than with conventional loans.
The loans aren’t limited to first-time buyers; vets can use the program over and over. The VA also offers cash-out refinance loans for veterans who want to tap their home equity or refinance non-VA loans into VA loans.
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