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.²

VA Purchase Loan

$0 down payment2 option and $0 PMI for a home purchase.

VA Jumbo Loan

$0 down payment2 option for a home purchase. We offer purchase and refinance loans up to $3 million.

Interest Rate Reduction Refinance Loan (IRRRL)⁴

Refinance your existing VA loan to a lower rate with an Interest Rate Reduction Refinance Loan. Pay $0 funding fee and no appraisal is required.

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 choose us

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.

Ready to speak to us about a VA 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 may include a funding fee, which may be financed up to the maximum allowed loan amount.
2. Zero down payment subject to all VA rules, guidelines, and additional program requirements. If previous entitlement was used, a down payment may be required.
3. 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.
4. 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. Although some exceptions may exist, generally 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, but may be able to be financed into the new loan. 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.
5. USAA Federal Savings Bank does not offer a cash out refinance product in the state of Texas.
6. In the last 10 years, USAA Federal Savings Bank has consistently originated in the top 14 lenders for total originated VA loans and VA loan volume. Source: Department of Veterans Affairs Lender Statistics(Opens new window).

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A 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 Federal Savings Bank Mortgage offers mortgage products to members where the property is located within the Continental United States, Alaska, Hawaii and the Disctrict of Columbia. 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.

"USAA Bank" means USAA Federal Savings Bank.

Bank products offered by USAA Federal Savings Bank.

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URL: https://www.usaamortgageloans.com

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