Home loans to suit your needs

A VA loan may be right for those currently serving, veterans and eligible surviving spouses looking for a no down payment option.¹

VA Purchase Loan

$0 down payment¹ option and $0 origination fee for a home purchase.

VA Jumbo Loan

$0 down payment¹ option for a home purchase up to $1.5 million². We offer purchase and refinance loans up to $3 million.

Interest Rate Reduction Refinance Loan (IRRRL)³

Refinance your existing VA loan to a lower rate with an Interest Rate Reduction Refinance Loan. Pay $0 origination, funding, and title fees⁴.

Cash Out⁵

Use cash from the equity you have built on your home to meet your goals with a VA cash out refinance loan, up to 90% of the value of your home with a cash-out limit of $500,000.

Why USAA Bank for a VA home loan

Top VA home loan lender⁶

USAA Bank is ranked one of the top VA mortgage lenders by the Department of Veterans Affairs.

20+ years

USAA Bank has more than 20 years of experience with VA home loans

100+ Years of Service

USAA has served the military since its founding in 1922.

Or call USAA Bank about a VA Loan today:

Get the benefits you earned with a VA home loan.

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Or call us about a VA loan today:

844-859-5536

Or call us about a VA Loan today:

1. VA loans require a one-time fee called a VA funding fee which may be collected at closing or rolled into your loan. The fee is determined by the loan amount, your service history, and other factors. A down payment on your VA loan may be required in certain circumstances and maximum loan limits vary by county.
2. A down payment will be required if the purchase price exceeds $1.5 million. If previous entitlement was used, a down payment may be required.
3. VA IRRRL: All VA rules, guidelines and additional program requirements will apply. Except as provided by applicable VA guidelines, the same parties obligated on the original loan must be the parties on the title and obligated on the new loan. Proceeds from the new loan will only be used toward payment of the original loan amount. No cash back can be received from the new loan. Payment of discount points, taxes, insurance and HOA fees are the responsibility of the borrower. Other exclusions apply. Refinancing either to lower the monthly payment or change from a variable-rate to a fixed-rate loan could result in an increase in the total number of monthly payments and interest charges paid over the full term of the new loan.
4. USAA Bank covers the title and VA funding fee on a VA IRRRL. Payment of discount points, taxes and insurance and HOA fees are the responsibility of the borrower.
5. USAA Bank does not offer a cash out refinance product in the state of Texas.
6. In 2023, USAA Bank originated the 5th highest total of VA purchase home loans and ranked in the top 10 lenders for the highest amount of VA loan volume among more than 1,300 lenders. Source: Department of Veterans Affairs Lender Statistics.

VA home loan refinance may be useful for many customers who want to lower their monthly debt payments. However, a refinance is secured by your home, has closing costs and may ultimately
require paying more in interest over time.

USAA Bank Mortgage offers mortgage products to members where the property is located within the Continental United States, AK, HI and DC. Excludes properties within U.S. Territories.

Home loans subject to credit and property approval.

Membership eligibility and product restrictions apply and are subject to change.

Bank products provided by USAA Federal Savings Bank, Member FDIC.

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URL: www.usaamortgageloans.com

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