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Sarah Badani
Sarah Badani
Jul. 15, 20214 min read summary is the foremost resource for veterans and their families to gain valuable information about VA loans and refinancing options available specifically to them. From providing eligibility requirements to comparing lenders, is a valuable tool for anyone looking to buy a new home or refinancing their current home via the government-backed VA loan process. Check out how to get loans for $0 down now.


  • Tremendous resource for VA loan info
  • Online comparison and other useful tools
  • Easy online experience


  • Not a direct lender
  • Not all lenders are available in all states
VAloans.comat a glance

Editorial score


Overview is an easy-to-use and informative site for veterans on the web. It has the widest database of information pertaining to VA loans, it’s well organized, and delivers a genuinely helpful free service to people looking into VA loans. primarily connects people with VA loan providers, but that’s not all. You can apply for FHA, USDA, and even conventional loans through the lenders they work with, as well.

Suitable For? is the go-to resource for veterans looking to finance a new home purchase or refinance an old home. is suited for veterans who qualify for a VA loan. This includes:

  • Army
  • Navy
  • Coast Guard
  • Marine Corps
  • Air Force
  • Military spouses
  • Certain individuals with no military experience

Types of Loans/Products connects users with a range of loan product providers, though the VA loans are the most prevalent. You can find conventional fixed or variable rate lenders from

The Application Process

Since is not a direct lender, when you apply with this service, you aren’t applying for an actual loan. To begin with, you’ll answer a few basic questions like:

  • Zip code
  • Price range of the home you're interested in buying or refinancing
  • Type of property (single-family home, mobile, new construction, etc.)
  • Usage for this home (primary residence, investment, etc.)
  • Timeframe you’re dealing with
  • What your credit score is

Rates and Fees – The Bare Basics

In terms of the services provided, offers a tremendous amount of free information. The APR you will receive for your final loan will vary depending on your lender, credit score, the national average, location of the home you’re buying, etc.

With some lenders, some closing costs may be charged when the loan is finalized. These costs are sometimes paid for by the seller, but other times, the veteran will be required to pay closing costs that may include:

  • Loan origination fee (generally 1% of the loan)
  • Title search and title insurance
  • Recording fees
  • State and/or local taxes
  • Brokerage fees
  • Inspection fees
  • Funding fee

The positive news is that with a VA loan, there are several fees that a lender cannot charge a veteran buyer, including:

  • Interest rate lock-in fees
  • Document preparation fees
  • Settlement fees
  • Postage and mailing charges
  • Amortization schedules
  • Escrow fees
  • Notary fees

Repayment Terms gives you access to a wide range of repayment terms. You can find terms including 15, 20, 25, and 30-year mortgages.

Help & Support offers email support to customers and consumers alike. Customer support reps can be reached at or via telephone at 1-800-884-5560. You can also browse through the FAQ section on the site. But really, the entire website is a fountain of knowledge with tons of incredibly useful articles. So, you can get a boatload of information without even speaking to a representative.

Summary is a VA loan marketplace. It gives you access to affordable rates for veterans and their spouses to refinance a home or purchase a new one. also has a tremendous amount of information that it makes available to borrowers going through the mortgage borrowing process. 


Q: What is a loan limit for VA loans?

A: A loan limit is the highest amount that an eligible borrower can take out for a VA loan before they have to pay a down payment. Many veterans can qualify for unlimited VA loans. However, there are some veterans that have diminished entitlement, in which case they will have a limit on the amount they are entitled to take out before a down payment is required. With diminished entitlement, the loan limits range from $510,400-$765,600, depending on the county in which you live.

Q: What is a hard inquiry, and can it hurt my credit score?

A: A hard inquiry is when a lender pulls your credit report and score. This is done so the lender can see what kind of credit you have and if you are a worthwhile risk for the lender to lend money to (i.e., if you're likely to repay the loan). Hard credit pulls will bump your credit score down a few points. But since everyone does this when shopping around for a loan, it's a normal part of the process, and your score will return to normal within a short time. If you're looking into multiple lenders, it's a good idea to apply to all of them at the same time. This is because credit bureaus view multiple inquiries within a 30-45 day range as one inquiry and only subtract points from your score once.

Q: What is a DTI?

A: Your DTI is your debt to income ratio. This is the amount of debt you have compared to the amount of money you make (your income). DTI is one factor that lenders use to determine your eligibility for a loan.

Q: What can I use my VA loan money for?

A: VA loans can be used to buy any type of home that is VA-approved (townhouse, condominium, single-family home). You can also use the loan to make improvements on a current home, install energy-efficient appliances, or refinance a home.

Physical Address

2101 Chapel Plaza Ct.

Columbia, MO 65203


Sarah Badani
Written bySarah Badani

Sarah Badani has extensive research and review experience in the finance industry. With a degree in psychology and education, she brings a level of depth and understanding along with her own flavor to spice up each topic in a unique and inviting way.
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