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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.

Contact us to get started
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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.
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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.

See affordable options

Other mortgage loan types to consider

Fixed-rate mortgage

Predictable payments for the life of your loan

Learn more

Adjustable-rate mortgage

Lower introductory rate, which changes periodically in the future

Learn more

Jumbo loan

Larger loan amounts for buying or refinancing

Learn more

FHA loan

Flexible credit and income guidelines with down payments as low as 3.5%

Learn more

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.

Customize your rate
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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.

‍ Equal Housing Lender

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

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