Did you know that, if you're a United States Veteran, you get a lot of surprising - and helpful - discounts on your potential home loan? Did you know, yet more, that not all lenders are VA home loan lenders - and there is actually a difference?

Indeed, not all lenders offer VA benefits… so what's the difference between a home loan lender, and VA home loan lenders… and how can you find one in your area?

The Main Difference…

Basically, VA home loan lenders are lenders who offer the VA benefits to its customers. Does this mean that you can get it if you're not a veteran? No, of course not - that would be silly. But as long as you're considered a veteran the eyes of the US military, you qualify for VA benefits.

To qualify as a veteran, you need to have served in the US armed forces, and be honorably discharged, or not on active duty. If you've been dishonorably discharged, you're not considered a veteran - and if you're on active duty, you're not a veteran, but can get benefits for it.

Not all lenders offer VA benefits, however odd that sounds, looking closely is important,

Finding VA Home Loan Lenders

There is no, as far as I have found, overall 'database' of loan officers that offer VA home loans. Really, finding VA home loan lenders is harder than it sounds!

The best way to start is to look at places rates - see what they offer, and what you can get a loan for. Then, call and find out if they offer a VA home loan, and what sort of rates you can get as a veteran.

Sometimes, companies will advertise what they'll offer you on their websites, and plainly tell you if they're a VA home loan lender or not. This usually is rare, though - the goal of the website is to drive you to their office, where they're going to try to push you into a loan.

It's likely that you're going to have more luck with an online company, who is not only more flexible, but able to give better rates on your mortgage. They basically have less overhead, and pass the savings onto you.
Overall…

Finding VA home loan lenders isn't always easy - you never know who's going to offer one, sometimes. But if you look hard, and you're willing to do a little research, you can find a great loan.

I recommend Low Income Home Loan, who offers great loans and great rates, along with VA Home Loan Lenders discounts!