New York State Division of Veterans' Affairs

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U.S. Department of Veterans Affairs Home Loan Guaranty

The U.S. Department of Veterans Affairs (VA) helps service members, Veterans, and eligible surviving spouses become homeowners. As part of VA’s mission, it provides a home loan guaranty benefit and other housing-related programs to help buy, build, repair, retain, or adapt a home for personal occupancy. VA Home Loans are provided by private lenders, such as banks and mortgage companies, and VA guarantees a portion of the loan, enabling the lender to provide more favorable terms.

Some specific programs include:

  • Purchase Loans
  • Interest Rate Reduction Refinance Loan (IRRRL):
  • Native American Direct Loan (NADL) Program
  • Adapted Housing Grants

To learn more about the VA Home Loan Guaranty, visit the VA website at:  

Additional Assistance:

If you would like to learn more about the benefits and services you may be eligible for as a Veteran, servicemember, or as a family member of a Veteran or servicemember, please call the New York State Division of Veterans’ Affairs Help Line at 1.888.838.7697 (VETSNYS), where you may also schedule an appointment with one of our Veterans Benefits Advisors.

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