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Military Mortgage Center

When buying a home, securing the right mortgage is critical to your future finances.  Do your homework and be sure you get the best program for your unique situation. 

Use these resources to help with your homework!


●  Are You Eligible for a VA Loan?
●  VA Loan Limit
●  Is VA eligibility a one time thing?
●  Basic Allowance for Housing (BAH)
●  BAH Calculator

●  How to know if you should Buy or Rent -

●  Tips on Home Buying -

●  Pros & Cons of a VA home loan -
●  Keeping Tabs on your Finances -


Are You Eligible for a VA Loan?


If you served during wartime (as defined by the VA) for at least 90 consecutive days or during peacetime for at least 181 consecutive days, you are eligible for the VA Home Loan Program. If you are currently on active duty after 90 days of active service you are eligible for the program. Reservists are also eligible as long as you have served for at least six years, which can be non-consecutive and in different branches of the reserves. The Reserve branches that are eligible for the VA Home Loan Program are Army National Guard, Army Reserve, Air National Guard, Coast Guard Reserve, Navy Reserve, Marine Corps Reserve, and Air Force Reserve.  Click here to learn more.




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VA Loan Limit:

VA eligibility allows for a veteran to borrow up to $417,000 with no down payment (Loan limit does vary in select counties.  Click here for more info).  If you need to borrow more than the loan limit, you must pay a 25% down payment for any balance over the $417,000.


Example:  You want to buy a house for $500,000.  You will need a $20,750 down payment and have a loan amount of $479,250.


$500,000 - $417,000 = $83,000

 $83,000 x 25% = $20,750

$500,000 - $20,750 = $479,250




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Is VA eligibility a one time thing?

No, you can use a VA loan as many times as you want, but you need your entitlement restored from your previous use or have enough entitlement left to cover your new purchase or refinance. To fully restore entitlement, the previous or current VA loan will have to be paid in full. Sometimes, when you use it the second time there is an increased funding fee depending on your status.  Click here to learn more.




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Basic Allowance for Housing (BAH):

The Basic Allowance for Housing (BAH) is a U.S. based allowance prescribed by geographic duty location, pay grade, and dependency status. It provides uniformed Service members equitable housing compensation based on housing costs in local civilian housing markets within the United States when government quarters are not provided.
  Click here to learn more and see up-to-date allowances.


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