Eligible veterans and service personnel may obtain GI loans made by private lenders for a home, manufactured home and/or lot, or certain types of condominiums. An existing VA loan on a home owned by a veteran may be refinanced in order to lower the interest rate. Recorded liens may also be refinanced on property owned and occupied by the veteran as the veteran’s home. Such loans are also available to unmarried surviving spouses of service personnel who died on active duty or as a result of service-connected disabilities. Spouses of service personnel who have been missing in action for more than 90 days, captured in line of duty by a hostile force or forcibly detained or interned in line of duty by a foreign Government or power are eligible for home loans. VA direct loans are available to certain eligible veterans with permanent and total service-connected disabilities only to supplement a grant to acquire a specially adapted home. Entitlement to loan guaranty benefits is available until used.
To obtain a VA home loan, you must apply for a Certificate of Eligibility. Send a completed VA Form 26-1880 (Request for Determination of Eligibility and Available Loan Guaranty) and attach a copy of your DD214 (Discharge). Responses take about 3-4 weeks. Mail to:
VA Loan Eligibility Center
PO Box 20729
Winston-Salem, NC 27120
Accurate determinations of eligibility can be made only by VA. You should not obligate yourself for the purchase of a home, condominium, or manufactured home solely on the basis of this information. Before undertaking any such obligations, contact the VA directly concerning your eligibility for the benefit.
Specially Adapted Homes
You may be entitled under certain conditions to a VA grant to purchase or build a home specially adapted to your needs or make adaptations to your existing home.
To be eligible for this grant you must have a service-connected disability entitling you to compensation for permanent and total disabilities, and be entitled to special monthly compensation for loss of use.
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