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Veterans Affairs Loans

Veterans Affairs (VA) loans were created to make housing more affordable for veterans and their families. If you served in the U.S. military or are the surviving spouse of a servicemember, a VA loan might be right for you.

What is a VA loan?

VA loans were created for veteran and active duty servicemembers, Reserve and National Guard members and surviving military spouses. While Citi offers these loans, they're guaranteed by the Department of Veterans Affairs. This means VA loans often carry more flexible terms, including lower interest rates.

  • 0% down payment for qualified borrowers
  • Don't require monthly mortgage insurance premiums
  • Sellers can contribute toward closing costs
  • Offered only to qualifying veterans and surviving spouses
  • A Certificate of Eligibility (COE) to prove you qualify
  • Some lenders may require a minimum credit score of 620

Explore other loan options

Jumbo loans

For people looking at homes in higher price ranges and in higher-cost housing markets.

Federal Housing Administration (FHA) loans

Helpful if you have a lower down payment, are self-employed or don't qualify for a conventional loan.

Conventional loans

A popular option for anyone with good credit and a down payment of 20% or more.

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