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VA Loan Network

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Experienced Loan Officers – No Overlays – Competitive Rates

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Experience Matters, VA Loan Experts, Mission-Ready Service

VA Loan Network is a Veteran-owned and operated education and lender-matching service. Not a direct lender. You’ll work with a VA loan expert, not a call center rep. Our advisors are handpicked for VA knowledge and 10+ years’ experience, guiding thousands of approvals with partners.

Every match starts with a personal call, not a web form, then we connect you to partner lenders issuing fast, accurate approvals in real time—day or night. Whether you’re score is 780, or 580 needing manual underwriting, we’ve got your six.

Estimate how much home you can afford

Find out your homebuying power based on your income and expenses.

Affordable Home Estimate:

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VA Home Loan COE Eligibility Estimator

Estimate whether you’re likely to qualify for a VA home loan Certificate of Eligibility (COE). This is not an official VA determination.

VA’s minimum for service members is typically 90 continuous days (without a break).

National Guard and Reserve eligibility can hinge on Title 10/Title 32 details and “creditable years.”

Surviving spouse eligibility can depend on DIC status and remarriage timing. If unsure, requesting a COE is the fastest way to get an official determination.

Sources & notes
  • VA minimum service requirements vary by service period, duty status, and exceptions.
  • VA does not set a minimum credit score, but lenders may.
  • Your COE shows entitlement; “full entitlement” doesn’t override lender underwriting.

VA Loan Eligibility Calculator

COE

Learn how to get your COE, the official document you need to prove your eligibility for the VA loan benefit.

Military Pay Charts

View the latest military pay charts to understand your income for loan qualification and financial planning.

2026 BAH Rates

Explore the current Basic Allowance for Housing (BAH) rates for your area to estimate your housing budget.

VA Disability Rates

Find the latest VA disability compensation rates, which can be a key factor in your loan qualification.

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VA Loan Requirements

Check the 2026 VA Loan requirements to see if you qualify.

See if you’re eligible

first-time homebuyer guide

First-Time Homebuyers

Veterans that are first-time homebuyers see what advantages are available to you.

Homebuyer Guide

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VA Loan Guide

Our complete VA home loan guide to help you through the home buying process.

VA Loan Guide

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VA Rates

Check today’s VA loan rates

Today’s VA Rates

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Get a Free Quote

Fill out our simple form to get a free quote from a VA lender in our network.

Free VA quote

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VA Certificate of Eligibility

Get your certificate of eligibility from the Veterans Administration today.

Get your COE today

VA LOANS MADE EASY

How to Apply for a VA Loan

Check Your Eligibility

Determine if you meet the service requirements for a VA loan. This includes active duty, Veteran status, or being a surviving spouse.

Obtain Your Certificate of Eligibility (COE)

Request your COE from the Department of Veterans Affairs. This document verifies your eligibility for a VA loan.

Submit an Application

Complete a short intake form. A VA loan expert will call you and match you with a partner lender for fast pre approval.

Receive Your Pre-Approval

Get a pre-approval letter and see how much you are approved for, which can help you determine your budget and strengthen your offer

Make an Offer

Work with one of our experienced real estate agents to make an informed and competitive offer on your ideal dream home today.

Close on Your New Home

Close on your new home seamlessly with our trusted lenders, and get ready to move in and settle comfortably.

Local Military Base PCS Guides

Click on the state below you are relocating to to view your PCS Guide for your base.

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Frequently Asked Questions

Is VA Loan Network a lender or a matching network?

We are an education and lender matching network for VA buyers. Partners make credit decisions. We guide underwriting steps and show multiple options. You can choose any lender, in or out of our network.

Do you get paid by lenders?

Sometimes. A disclosed referral fee may be paid. It never depends on approval, rate, or product choice. Our comparison uses APR, fees, credits, and timelines so payouts do not influence the shortlist.

How does your matching process work?
We collect basics like price range, entitlement status, credit tier, timeline, and property type. We present two or three options with apples to apples comparisons on APR, fees, credits, and service speed. You decide.
Are there upfront costs or hidden fees?

No cost to use our site. Lender fees and third party charges appear on your Loan Estimate. We require itemized fees and a same day lock period so your comparisons stay fair and clear.

About VA Loan Network

VA Loan Network – Role & How It Works

VA Loan Network is a Veteran‑owned VA home loan education and comparison service. We are not a lender and not a government agency.

What We Are

  • Veteran‑owned, VA‑only. Education and comparison focused solely on VA home loans for Veterans and military families.
  • Independent. We explain VA benefits and help you compare offers from multiple VA‑approved lenders.
  • Military‑life aware. Partners experienced with PCS moves, Guard/Reserve income, surviving spouses, jumbo and renovation VA loans.

What We’re Not

  • Not a lender or broker. We do not originate, underwrite, approve, or fund mortgage loans.
  • Not a government agency. Not affiliated with the U.S. Department of Veterans Affairs (VA), DoD, or any government agency.
  • No control over pricing or rankings. Lenders set their own rates, fees, terms, and decisions. They cannot pay to be ranked higher; matches are based on fit.

How It Works

  1. Learn. Use our guides and tools to understand your VA home benefit and what you can afford.
  2. Match. Share your goals; we connect you with multiple VA‑approved lenders to compare.
  3. Choose. You apply and close directly with the lender you select; we remain an independent education resource.

For educational purposes only and not a commitment to lend. Eligibility, rates, terms, and approvals are set by participating VA‑approved lenders and the U.S. Department of Veterans Affairs.

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