Military Homeownership


The VA loan is the most powerful, wealth-building instrument that's available to those who serve(d) our military.  Only 33% of military members and Veterans have heard of the VA loan, and only 11% actually use it. 


The VA Loan is a home loan accessible to U.S. military members that is provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.


Learn the power and importance of your VA home loan in this brief, entertaining, and educational seminar led by one of the top Veteran Realtors in the nation - Mike Chiesl USMC Vet. From the basics to creating generational wealth, leveraging your VA loan is one of the best ways to set yourself up for a bright financial future - and this Webinar will show you how!

Who is eligible for a VA loan?

To be eligible for a VA loan you must:

  • Have served 90 consecutive days of active service during wartime

  • OR have served 181 days of active service during peacetime

  • OR have 6 years of service in the National Guard or Reserves

  • OR are the spouse of a service member who has died in the line of duty or as a result of a service-related disability

What are the benefits of a VA loan? 

There are many benefits to the VA loan. If you're eligible, it is a benefit that you will have access to for your entire lifetime.


  • No down payment

  • No private mortgage insurance

  • Competitive interest rates

How do I get started?

Once you have determined that you are eligible to use the VA loan you will need to provide your lender the following items:

  • Certificate of eligibility

  • Tax returns

  • Pay stubs, W-2, or other proof of income

  • Bank statements and other assets​

  • Credit history

  • Gift letters

  • Photo ID


Purchase Loans and Cash-Out Refinance

VA-guaranteed loans are available for homes for your occupancy or a spouse and/or dependent (for active duty service members).

Interest Rate Reduction Refinance Loan (IRRRL)

The IRRRL is a "VA to VA" loan, meaning it can only be done if you have an existing VA guaranteed loan on the property. The IRRRL is generally performed to lower the interest and reduce the monthly payment on the existing VA guaranteed loan.

Native American Direct Loan (NADL) Program

The NADL program helps Native American Veterans purchase, construct, improve, or re-finance a home on Native American trust lands. Your tribal organization must participate in the VA direct loan program.

Adapted Housing Grants

VA helps Veterans with certain total and permanent disabilities related to your military service obtain suitable housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant.

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