Information on the Home Loan Program

Larry Doss Wednesday, May 20, 2009

Information on the Home Loan Program

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Effective immediately, Certificates of Eligibility will no longer display a veteran’s date of birth. This change was made to limit the amount of personal data being displayed on Certificates of Eligibility. Please note, however, that veterans will still need to provide their date of birth when submitting an application for a determination of eligibility in order to process their request.

Act now to get the help you need through the Making Home Affordable Program. This part of the President’s Homeowner Affordability and Stability Plan was created to help millions of homeowners refinance or modify their mortgages to a payment that is affordable, both now and in the future. Please use the self-assessment tools provided on to see if you are among the 7 to 9 million homeowners who may be able to benefit from Making Home Affordable. For more information about the plan, and to find out if you are eligible, please go to this link.

VA Reaching Out to Vets with Mortgage Problems. Please read this link for important information to veteran homeowners. Additionally, please read this link which provides some additional information and assistance for Veterans.

Enhanced VA Mortgage Options Now Available for Veterans Of Potential Benefit to Those in Financial Distress. Please go to this link for more information.

Please go to this link for 2009 VA County Loan Limits and this link for 2008 VA County Loan Limits. This link has examples for calculating the VA guaranty.

On October 10, 2008, the President signed S. 3023, the Veterans’ Benefits Improvement Act of 2008. Please go to this link for important information to veteran homeowners.

If you have been affected by natural disasters, please click on this link for important information to veteran homeowners.

Public Law 110-289 has expanded the Specially Adapted Housing (SAH) grant program, and increased SAH grant amounts. Click on this link to read the most recent release regarding these changes. Please note that updates to Specially Adapted Housing Fact Sheet (SAH) – October 2008 and Special Housing Adaptation Fact Sheet (SHA) – October 2008 have been posted, and can be found at


About the Loan Guaranty Service
The VA Loan Guaranty Service is the organization within the Veterans Benefits Administration charged with the responsibility of administering the home loan program. See an independent evaluation of the Loan Guaranty program here: Final Report | Final Report Appendices

Link To Online Videos for Veterans
Short videos provide information on the VA Home Loan process.

Pamphlets on the VA Home Loan Program
On-line copies of VA Home Loan Pamphlets.

Home Ownership Education for First Time Buyers
Valuable information for first time home buyers from the Ginnie Mae Home Ownership Center.

Frequently Asked Questions
Answers to questions most frequently asked about he VA Home Loan program.

Information on Specially Adapted Housing for Disabled Veterans
Information on the Specially Adapted Housing program for certain seriously disabled Veterans.

VA Regional Loan Centers
Addresses, telephone numbers and websites of our Regional Loan Centers.

Contact VA Loan Guaranty Service
E-mail, phone numbers and website addresses for the Loan Guaranty Service

Interest Rate Reduction Refinancing Loans
Have interest rates fallen since you obtained your VA loan? Do you have an Adjustable Rate VA loan that you want to convert to a fixed rate loan? The IRRRL program, also called the VA streamlined refinancing program, may be for you. No appraisal or underwriting is required and a certificate of eligibility is not necessary.

If You Have Trouble Making Your Payments
If you have a VA loan but are having trouble making your mortgage payments, it is very important that you take steps to avoid a foreclosure. VA may be able to help.

Information for Elderly Home Owners
Information for Elderly Home Owners covers Reverse Mortgages, Interest Rate Reduction Refinancing Loans, and Home Equity Fraud.

VA Direct Home Loans for Native American Veterans Living on Trust Lands
VA direct home loans are available to eligible Native American Veterans who wish to purchase or construct a home on trust lands.

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