Purchase a home with little or no down payment - or refinance to get cash out or possibly a lower payment - with a VA loan from U.S. Bank.

As an approved lender for the VA Home Loan Guarantee Program, U.S. Bank can offer service members, veterans, and eligible surviving spouses favorable terms on all types of home mortgage loans.


Purchase a Home

Purchase a Home
  • A fixed-rate mortgage means no surprises – the interest rate won’t change for the life of your loan
  • Up to 100% financing available – Even first-time homebuyers may be able to qualify with little or no down payment at closing

Refinance a Home

Refinance a Home
  • Our Streamlined Refinance may help you get a better interest rate
  • Our Cash Out Refinance lets you take cash out of your home equity for improvements, debt consolidation and other needs

VA Home Mortgage Benefits

Low or No Down Payment

VA mortgages require little or no money down at closing – a valuable benefit that’s unique to the VA home loan program.

Lower Monthly Payments

Because the VA guarantees a portion of your loan, you won’t need to pay mortgage insurance premiums – a significant monthly savings.

Easy Approval Process

VA home loans were designed to offset common financial challenges faced by military families and veterans – so approval may be easier.


Eligibility Requirements

  • 90 days of consecutive service during wartime
    - OR -
  • 181 days of service during peacetime
    - OR -
  • 6 years of service in the National Guard or reserves
    - OR -
  • Spouses of service members who died in the line of duty or as the result of a service-related disability

After establishing that you meet these requirements, you will need a Certificate of Eligibility from the VA. (Your U.S. Bank mortgage specialist can help you obtain this certificate.)