VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of their mission to serve you, VA provides 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. Download the VA Home Loan Buyer's Guide at VA Home Loan Guaranty Buyer's Guide (PDF)