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Veteran’s Administration (VA) Home Loans

Eligible current or former U.S. servicemembers and their surviving spouses may qualify for fixed-rate loans and adjustable-rate mortgagesDisclosure 1 (ARMs) with special financing features.

You served—and we're proud to serve you.

Why choose a VA loan?

  • You can receive up to 100% financing,Disclosure 2 which means low or no down payment on your home purchase.
  • Sellers can pay most loan costs in the purchase agreement (up to 4% of the reasonable value of the property). 
  • Choose a fixed or adjustable interest rate.Disclosure 1 
  • There is no private mortgage insurance (PMI) or penalty for prepayment.

A few things to considerDisclosure 3

  • Veterans can borrow up to $2 million at 100% when full VA entitlement is available. 
  • Loans are available for purchases of primary residences only (up to four units). 
  • There is a required funding fee which may be financed.

Start your application with confidence. Our mortgage professionals are ready to help when you need it.

Apply now for a Truist mortgage.

Answers to common questions about VA loans

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VA loans are home loans backed by the U.S. Department of Veterans Affairs (VA) to enable servicemembers, veterans, and eligible surviving spouses become homeowners. 

A client must be a veteran, active-duty service member, member of the National Guard, or reservist to be eligible. A Certificate of Eligibility (COE) from the VA will determine eligibility for a VA loan based on service history and duty status. Some restrictions and limitations apply. Talk to a Truist mortgage professional for details or assistance obtaining this certificate.

While a VA loan has specific eligibility requirements, another important difference is the down payment amount. Most conventional loans require a minimum down payment. In most cases, VA loans do not. VA loans also do not require private mortgage insurance (PMI). The VA requires a one time funding fee that can be financed into the loan. Additionally, VA loans often have more flexible credit requirements than conventional loans.

There are some limitations including, but not limited to:

  • Your maximum loan amount may be impacted if anyone other than your spouse is included on the loan application. In this case, your loan would also require an additional approval from the VA.
  • Your maximum loan amount may also be impacted if you have previously used your home loan benefit.
  • You may also only use a VA loan to purchase a home that will be your primary residence. That home must meet minimum property requirements. Ask your Truist mortgage professional for details on these requirements. 
  • If you’re purchasing a condominium, you must ensure it’s a VA-approved development. If not, your lender can request it be approved, though this may delay closing.

Truist does not currently offer VA Construction-to-Permanent loans, so the home must be completed at the time of closing. 

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Affordable loans

There are other ways to make homebuying affordable. Ask a mortgage professional if you qualify for these options.

Buy affordably and see if you qualify for an affordable loan option.
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Disclosure 1  Adjustable-rate mortgage (ARM) products have interest rates that may increase after consummation.

Disclosure 2 Mortgage financing of 100% will result in no property equity until such time as the loan principal is paid down through regular mortgage payments and/or the property value appreciates. Additionally, if property values decline, you could owe more than your property’s value. Additional LTV restrictions may apply.

Disclosure 3  Visit https://www.truist.com/speedbump/truist-speedbump?url=www.benefits.va.gov/homeloans for basic military service requirements. Applicants must also meet credit and loan program guidelines.

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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