VA Loan

You committed to serve. We're committed to serving you.

Our dedicated military lending team can connect you with all the benefits of a VA mortgage.

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What is an VA loan?

VA loan basics

  • VA loans are backed by the U.S. Department of Veterans Affairs (VA), which allows lenders to offer more favorable terms to members of the military.
  • VA loans are available to qualified borrowers — including veterans and active-duty service members — who meet the eligibility requirements established by the VA.
  • VA loans require you to pay a one-time VA funding fee, which can be rolled into your loan amount or paid at closing.

VA loan benefits

  • Up to 100% financing may be available on VA loans for qualified borrowers. That means you could buy a home with little or no down payment.
  • If you do have a down payment, you can use funds from gifts or grants toward that amount, as well as any closing costs.
  • Flexible guidelines may help you qualify even with a lower income or credit score.
  • VA loans don't require mortgage insurance, so you may pay less each month than with a conventional low-down payment mortgage.

More affordable homebuying programs

Need help with a down payment and closing costs? Find out how our low down payment options can help make homeownership more affordable.

FHA loans have the benefit of a low down payment, but consider all costs involved, including up-front and long-term mortgage insurance and all fees. Ask your home mortgage consultant to help you compare the overall costs of all your home financing options.

Get a customized rate and payment

See how much you could qualify to borrow and what your estimated rate and payment would be. It takes just a few minutes and won’t affect your credit score.

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Sat: 8 am – 6 pm
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Customers must meet all eligibility requirements for the VA program. Please discuss current VA eligibility requirements with a home mortgage consultant.

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.

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