VA loans are available through approved private lenders, such as banks, credit unions, and mortgage companies. A home purchase through a VA loan typically requires a VA-approved lender to order a home appraisal.
Eligible service members and veterans can apply for a VA-backed home loan through a private lender, such as a bank, credit union, or mortgage company. If the loan is approved, the private lender will work with the VA to provide financing for the home purchase.
For starters, you’ll need a Certificate of Eligibility (COE) to prove to your lender that you are eligible for a VA-backed home loan. You can obtain your COE through eBenefits, by mail, or through your lender.