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VA Home Loans

An easier, more affordable way for eligible active service members, veterans, and surviving spouses to qualify for a loan from the U.S. Department of Veterans Affairs.

We’re here to help every step of the way.

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Ready to apply online?

Start your loan application here. Don't worry—if you get stuck, we're just a phone call away.  

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Speak with a loan advisor.

We'll help you find the right loan, start your application, and answer your questions.

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Find a loan advisor.

Connect with a local expert and meet remotely or at a nearby branch. We'll guide you through the entire home loan process.

Take advantage of this lifetime benefit to buy your next home

The VA offers a special loan program to remove some of the barriers to homeownership for those who have served. Eligible borrowers who want to buy or build a home, buy and improve a fixer-upper, or refinance an existing mortgage can save with a VA loan. 

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Designed for those who serve or have served

It's part of the VA's mission to help active service members and veterans transition back to civilian life, including assisting those who have served and their spouses with home loans.

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VA loan eligibility 

For active-duty service members, veterans, and eligible surviving spouses with VA entitlement.

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No down payment needed

VA loans do not require a down payment, which can be 10% or 20% of the home price.

Keep costs down with your reusable VA entitlement

Turn your VA entitlement into the keys to your new home. VA loans make it easier to qualify, even if your credit score has a few dents. Plus, you can save along the way with lower costs and no requirement for a down payment. 

 

If you already have a mortgage, there are several ways to refinance to a VA loan for a better rate or term or to get cash out from your home equity. 

  • Loan amounts up to $4 million
  • Fixed and adjustable interest rates
  • Flexible qualification standards
  • No down payment or mortgage insurance required
  • No penalty for paying off your mortgage early
  • Refinance with no appraisal and minimal paperwork

 

 

Let’s find the perfect mortgage for you.

If you're like most people, buying a home is the largest purchase you'll ever make, but you don't have to go it alone. Talk to the friendly, competent, and trustworthy experts at Flagstar to find a home loan that's right for you. 

Icon of a computer monitor and smart phone

Ready to apply online?

Start your loan application here. Don't worry—if you get stuck, we're just a phone call away.

Icon of a person with a speech bubble in front of them

Speak with a loan advisor.

We'll help you find the right loan, start your application, and answer your questions.

Icon of a person standing next to a map location symbol

Find a loan advisor.

Connect with a local expert and meet remotely or at a nearby branch. We'll guide you through the entire home loan process.

Manage your loan your way with MyLoans®

Sign in to MyLoans anytime to make payments, view your statements, sign up for paperless statements, and more. Everything you need is right at your fingertips. 

Everything you need to know about home loans

Whether you're an expert or a first-timer, find the ins and outs of mortgages here. Learn what it takes to qualify for a loan, discover the different types of mortgages, and finally understand what an escrow account is for. 

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Home loan basics

Learn how mortgages work, the differences between adjustable and fixed interest rates, and more.

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The mortgage process

Get a step-by-step breakdown, from prequalifying to inspections to closing and beyond. 

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Mortgage Loan Calculators

Calculate your house-hunting budget, monthly payments, closing costs, and more.

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Current mortgage rates

View our competitive mortgage rates for all types of home loans.

7th Largest Bank Mortgage Originator

Inside Mortgage Finance, Q3 2023

Why choose Flagstar?

We're an award-winning lender with more than 35 years of experience connecting customers to the right mortgage solution for their needs. With hundreds of conventional, jumbo, and government-backed options available, we'll find the right home loan for you, too. Whether you are buying a new home or ready to refinance, you can trust our simple application and streamlined process to get you to closing on time.

You may also be interested in:

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Adjustable rate mortgages

Don't let the word “adjustable” keep you away from a great loan. Find out if an ARM is right for you.

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Fixed rate mortgages

No surprises here, just peace of mind from consistent monthly payments that fit into your budget. 

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Jumbo loans

Discover how a jumbo loan can be a smart way to finance higher-priced homes. 

Programs for qualified borrowers. All borrowers are subject to credit approval, underwriting approval, and product requirements, including loan to value, credit score limits, and other lender terms and conditions. Fees and charges may vary by state and are subject to change without notice. Some restrictions may apply. Not a commitment to lend. A loan advisor will review and provide you with the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.

Purchase or cash-out refinance for a 1- to 4-Unit primary residence only. Program terms available may vary based on the state or county in which the financed property is located. Not available in Puerto Rico.

A VA Interest Rate Reduction Refinance Loan is for refinancing of an existing VA mortgage plus costs and is not an option for consolidation of debt. Available to eligible borrowers. Program terms available may vary based on the state or county in which the financed property is located.

* Existing loan must be serviced by Flagstar Bank. Interest on the portion of your loan balance that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. Please consult your tax advisor regarding the deductibility of interest. Important information will be provided to you in the disclosures you receive after we have received your application and the loan documents you are provided at loan closing.

Flagstar Bank NMLS# 417490