Types of VA Home Loans
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| VA Loan Type | Purpose | Key Features |
| VA Purchase Loan | To buy an existing or new home, condo, manufactured, modular – see all property types | No down payment required No private mortgage insurance (PMI) Competitive interest rates |
| VA IRRRL (Interest Rate Reduction Refinance Loan) | To refinance an existing VA loan and lower your interest rate | Lower monthly payments or terms No appraisal or credit report/score required |
| VA Cash-Out Refinance Loan | To refinance a non-VA loan to a VA loan or take cash out from a property’s equity. | Available to veterans with or without current VA loans Can take cash out for various purposes |
| VA Construction Loans | To purchase a lot and build a home or to finance a build on your existing lot | Covers the cost of land, plans, permits, fees, and construction One-time close without the need for a second loan |
| VA Renovation Loans | To buy and renovate or repair a home | Finance both the purchase and renovation costs Suitable for all cosmetic and non-structural repairs |
| Texas Veteran Home Loan | To buy a primary residence in Texas | Low-interest rates for veterans buying in Texas |
| Texas Veteran Home Improvement Loans | For home repairs and improvements in Texas | Offers below-market interest rates for veterans For improvements such as plumbing, roofing, and accessibility modifications Available through the Texas Veterans Land Board (VLB) |
| Texas Veteran Lot Loan | To purchase a lot for a future home | Competitive interest rates for buying land in Texas For tracts of at least one acre; up to $200,000 ($275,000 for dual-Veteran spouses) with 5% down Available through the Texas Veterans Land Board (VLB) |
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