fa-angle-left Home Loans at VACU VA Loans Designed to honor veterans by making homeownership more affordable. Apply now Talk to a mortgage loan officer As low as 6.035 % APR View all rates.? Down payments not required. Neither is mortgage insurance. This is a lifetime benefit and can be used multiple times. Why choose a Veterans Administration (VA) Loan with VACU? Buy a home with no down payment required. Avoid private mortgage insurance altogether. Access competitive rates and a variety of term options. Refinance with flexibility, including a cash-out option. Use your VA loan benefit multiple times; it’s a lifetime advantage. Work with our local mortgage team for guidance every step of the way. Make it happen in a few steps. Step 1 Talk to a VACU mortgage loan officer. A local mortgage loan officer will help you determine the best loan product that works for your needs. Our mortgage team will help you get pre-qualified. Step 2 Apply with us. Apply for your mortgage by completing our easy-to-use digital application. Step 3 Finalize your mortgage. Sign disclosures, which will include an estimate of your closing costs. While our loan processor is putting final touches on your documents, they might reach out with questions or requests for additional documentation. Step 4 Close on your new loan! Sign and finalize the closing documents to provide funds for closing. Mortgage Loan Officers Whether you’re looking to buy or refinance, we have a team of local mortgage loan officers ready to help. Learn more Virginia Statewide Title Services Virginia Statewide Title Services offers affordable title insurance to protect you against defects in your property title and can also connect you with a participating closing attorney in your area.? Learn more Proudly serving those who served. Enjoy the unmatched benefits of a VA loan. Apply now Talk to a mortgage loan officer You may also like See all Video 7 min Watch: 9 Questions First-Time Homebuyers Ask Home Calculator Mortgage Payment Calculator Home Article 5 min 10 Ways to Make Your Home Feel New Home Article 6 min Financing Your Dream Home with a Construction Loan Home Article 6 min How to Get Pre-Qualified for a Mortgage Home Calculator Home Affordability Calculator Home Article 3 min Mortgage Documents Checklist Home Article 4 min Mortgage Rate Lock Explained Home Article 6 min Home Equity Loan or Home Equity Line of Credit: Which is Best for You? Home Article 4 min Are You Ready to Buy a Home? Home Article 3 min What Is the Best Mortgage Loan for Me? Home Article 4 min How To Know When to Refinance Your Home Home