The VA Loan Guaranty Service offers VA home loans to military personnel through private mortgage lenders who are approved by and participate in the VA home loan program. These private mortgage companies can be very helpful in navigating the complicated process of both applying for a VA loan and acquiring a Certificate of Eligibility for military loans.

Applying for a VA Home Loan

Military personnel are not required to go directly through the VA Loan Guaranty Service when applying for a VA home loan. In fact, it is customary (and easier) to apply for a military loan through any participating private mortgage lender, of which there are many. Simply shop around for the company and mortgage which is best, and apply directly through the private company.

Of course, there is always the matter of being eligible for a VA home loan, as well as acquiring the necessary Certificate of Eligibility from the VA to prove such eligibility. This issue is addressed in the next section.