---
title: What is a VA mortgage?
description: A VA mortgage is a type of home loan that is guaranteed by the U.S. Department of Veterans Affairs (VA). These loans are available to eligible veterans, active duty service members, and certain other
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1. [Frequently Asked Questions](https://blog.capcenter.com/migration/faq?hsLang=en)
2. [Mortgage](https://blog.capcenter.com/migration/faq/mortgage?hsLang=en)
# What is a VA mortgage?
A VA mortgage is a type of home loan that is guaranteed by the U.S. Department of Veterans Affairs (VA). These loans are available to eligible veterans, active duty service members, and certain other groups, such as surviving spouses.
VA mortgages typically have more favorable terms than conventional mortgages, such as no down payment requirement, no mortgage insurance requirement and more lenient credit requirements. In addition, the VA limits the amount that veterans have to pay in closing costs, making it easier for them to afford a home.
VA mortgages also offer a unique feature called the Interest Rate Reduction Refinance Loan (IRRRL), which allows veterans to refinance their existing VA loan into a new one with a lower interest rate and monthly payment, with less paperwork and no credit or income requirement.
It's important to note that VA mortgages are only available for certain types of properties, such as single-family homes, and there are limits on the amount that can be borrowed.
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- [General Questions](https://blog.capcenter.com/migration/faq/general-questions?hsLang=en)
- [Mortgage](https://blog.capcenter.com/migration/faq/mortgage?hsLang=en#main-content)
- [Glossary](https://blog.capcenter.com/migration/faq/mortgage?hsLang=en#glossary)
- [CapCenter Product Offerings](https://blog.capcenter.com/migration/faq/mortgage?hsLang=en#capcenter-product-offerings)
- [Zero Closing Costs Questions](https://blog.capcenter.com/migration/faq/mortgage?hsLang=en#zero-closing-costs-questions)
- [Loan Qualification](https://blog.capcenter.com/migration/faq/mortgage?hsLang=en#loan-qualification)
- [Technology](https://blog.capcenter.com/migration/faq/mortgage?hsLang=en#technology)
- [Pre-approvals](https://blog.capcenter.com/migration/faq/mortgage?hsLang=en#pre-approvals)
- [Applying for a Mortgage](https://blog.capcenter.com/migration/faq/mortgage?hsLang=en#applying-for-a-mortgage)
- [Process Questions](https://blog.capcenter.com/migration/faq/mortgage?hsLang=en#process-questions)
- [General](https://blog.capcenter.com/migration/faq/mortgage?hsLang=en#general)
- [Real Estate](https://blog.capcenter.com/migration/faq/real-estate?hsLang=en#main-content)
- [Buying a home](https://blog.capcenter.com/migration/faq/real-estate?hsLang=en#buying-a-home)
- [Selling a home](https://blog.capcenter.com/migration/faq/real-estate?hsLang=en#selling-a-home)
- [Glossary](https://blog.capcenter.com/migration/faq/real-estate?hsLang=en#glossary)
- [General Questions](https://blog.capcenter.com/migration/faq/real-estate?hsLang=en#general-questions)
- [Insurance](https://blog.capcenter.com/migration/faq/insurance?hsLang=en)
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