Estimate how much home you can afford
Find out your homebuying power based on your income and expenses.
Estimate is directional only. Assumes a 30 year fixed loan at 5.00 percent interest and 36 percent DTI cap.
Affordable Home Estimate:
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.
Sources & notes
- 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
VA Loan Requirements
Check the 2026 VA Loan requirements to see if you qualify.
First-Time Homebuyers
Veterans that are first-time homebuyers see what advantages are available to you.
VA Loan Guide
Our complete VA home loan guide to help you through the home buying process.
VA Rates
Check today’s VA loan rates
Get a Free Quote
Fill out our simple form to get a free quote from a VA lender in our network.
VA Certificate of Eligibility
Get your certificate of eligibility from the Veterans Administration 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
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 State VA Loan Guides
Click on the state below to view more information on VA loans, BAH rates, and property tax exemptions.
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Frequently Asked Questions
What makes VA Loan Network different from other VA loan resources?
VA Loan Network was built for Veterans who deserve more than a call center experience. Every lender in our network has over 10 years of VA-specific lending experience, with a track record of funding loans that others overlook. We specialize in manual underwriting, lower credit scores, and proper loan structuring — not quick denials or cookie-cutter approvals. Here, you’ll work with someone who understands VA guidelines inside and out — a real expert who knows how to get you to the closing table, even when others can’t.
How do I know if I’m eligible for a VA loan?
Eligibility for a VA loan is generally determined by your military service. If you’re a veteran, active-duty service member, or reservist, you may qualify. Our team can help verify your eligibility and guide you through the entire process, including securing your Certificate of Eligibility (COE).
Are there any upfront costs or hidden fees when applying for a VA loan?
No. One of the major benefits of VA loans is that they require no down payment, and there’s no private mortgage insurance (PMI). While you may encounter typical closing costs, our specialized VA lender will ensure transparency and help minimize any potential expenses.
How long does it take to get approved for a VA loan through VA Loan Network?
Our network of lenders will take your application over the phone, ensuring a personalized and convenient experience. They are available 7 days a week and specialize in providing same-day approvals. This streamlined process ensures that you receive timely updates and can move forward quickly with your VA loan.
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
- Learn. Use our guides and tools to understand your VA home benefit and what you can afford.
- Match. Share your goals; we connect you with multiple VA‑approved lenders to compare.
- Choose. You apply and close directly with the lender you select; we remain an independent education resource.