VA Housing Assistance: How Veterans Can Buy, Refinance, or Avoid Foreclosure
Mar 27, 2025 • STAFF
Introduction
Homeownership is part of the American dream — and for veterans, it’s also a benefit you’ve earned. The VA offers housing assistance programs that can help you buy your first home, refinance for lower rates, or even avoid foreclosure during tough times.
Need help applying? Use our free checklist to find out what you qualify for.
What Is VA Housing Assistance?
The U.S. Department of Veterans Affairs provides:
- VA-backed home loans (with no down payment)
- VA Interest Rate Reduction Refinance Loans (IRRRL)
- Mortgage forbearance or repayment plans if you’re behind
- Foreclosure prevention counselors
You don’t need perfect credit or a large savings account — just a valid Certificate of Eligibility (COE) and stable income.
Who Qualifies?
You may qualify if you:
- Served 90+ days during wartime or 181+ during peacetime
- Are a National Guard or Reserve member with 6+ years
- Are a spouse of a veteran who died in service or from service-connected causes
If you’re applying for housing help due to financial hardship, you may also qualify for emergency grants, crisis hotlines, and housing support through veteran-specific aid programs.
How to Apply
- Apply for your Certificate of Eligibility (COE) online or through your lender
- Choose a VA-approved lender
- Complete a loan application (VA loans follow lender underwriting but with VA backing)
- Ask about VA loan foreclosure protections if you're struggling
💡 Already have a VA loan? You might qualify for a streamlined refinance (IRRRL) — no appraisal or income check needed.