Veterans

About Home Loans

VA helps Veterans, Servicemembers, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

Read our guide for buying a home

Before you buy, be sure to read the VA Home Loan Buyer’s Guide. This guide can help you under the homebuying process and how to make the most of your VA loan benefit. Download the Buyer’s Guide here.

Main pillars of the VA home loan benefit

• No downpayment required
  (*Note: Lenders may require downpayments for some borrowers using the VA home loan guaranty, but VA does not require a downpayment)
• Competitively low interest rates
• Limited closing costs
• No need for Private Mortgage Insurance (PMI)
• The VA home loan is a lifetime benefit: you can use the guaranty multiple times

The VA North Florida/South Georgia Veterans Health System provides comprehensive, compassionate health care services to veterans, their families, and caregivers. Guided by a deep commitment to those who served, the system offers a wide range of medical, mental health, and social support programs designed to enhance quality of life and promote wellness for all veterans in the region.

Services Include:

• Primary Care – Routine health exams, chronic disease management, and preventive care.
• Mental Health Care – Counseling, PTSD treatment, substance use support, and psychiatric services.
• Specialty Care – Cardiology, orthopedics, women’s health, and other advanced medical services.
• Social Services & Support Programs – Case management, caregiver resources, housing assistance, and community referrals.

Service Area:

North Florida and South Georgia regions.

The Veterans Crisis Line provides free, confidential, 24/7 crisis support to veterans, active-duty service members, National Guard/Reserve members, their families, and caregivers. You do not have to be enrolled in VA health care or benefits to use this service. Callers receive responses from qualified, caring professionals who listen and assist, free and confidential crisis intervention, and responders will help connect you to local resources and ongoing support services.

How to Reach the Veterans Crisis Line:

• Call: Dial 988, then Press 1

• Text: Send a message to 838255

• Chat: Available via the Veterans Crisis Line website

Warrior wheels is dedicated to providing support for our veterans, first responders and their families by the way of providing peer support, social services, crisis intervention, and donating motorcycles and vehicles to our heroes