Start with your eligibility
A Certificate of Eligibility documents your VA home-loan benefit eligibility. The lender also reviews credit, income and your plan to occupy the home.
Understand the benefit
VA-backed purchases can offer no down payment when the price is within the appraised value, and no monthly mortgage insurance. Review any funding fee, exemption and closing costs together.
Prepare your conversation
Bring service or eligibility records, income information and your property plans. IIMBC can help organize the next review.
Research: U.S. Department of Veterans Affairs, Purchase loans. Reviewed October 19, 2026.