VA Home Loans

New! SoFi is helping heroes find homes with VA loans.

Active personnel, veterans, and reservists dreaming of a home can turn to VA home loans for exclusive rates with no down payment requirements. And now VA loans are getting the SoFi treatment.

View your rate

Checking your rate will not affect your credit score.†
*See terms and conditions below. VA funding fee applies, unless exempt.

Trustpilot

What is a VA home loan?

VA loans are backed by the U.S. Department of Veterans Affairs and offered by private lenders like SoFi. Because the VA guarantees a portion of the home loan, you can qualify for perks like low interest rates, lower closing costs, no mortgage insurance, and no down payment requirement.1

Learn more

Why choose SoFi for a VA loan?

Zero origination fee

Unlike other lenders, we won’t charge you an origination fee for VA loans.*

Close with confidence

We know time is of the essence. That’s why we guarantee you’ll close on-time, backed up by $10,0003.

VA loan terms on your terms

Borrow up to $1.5 million and choose from fixed- or adjustable-rate4 mortgage options.

Easier qualification

SoFi allows a lower minimum FICO® score for VA loans.

Ditch the down payment

Saving for a down payment on a home loan can be daunting. That’s why we don’t require a down payment for VA home loans.

Dedicated Mortgage Loan Officers

Our dedicated MLOs are here to help you through the VA home loan process.

VA Home Loan Eligibility Requirements.

VA home loan applicants must provide a Certificate of Eligibility (COE) to prove they qualify for a VA loan. The U.S. Department of Veterans Affairs provides instructions on requesting a COE.

Active-duty service members

Active-duty service members who have served for at least 90 consecutive days are considered eligible for VA loans.

Active-duty service members

Active-duty service members who have served for at least 90 consecutive days are considered eligible for VA loans.

Veterans

Veterans who were active-duty for at least 90 consecutive days in wartime or 181 days in peacetime are eligible for a VA home loan.

Surviving Spouses

If your spouse was a veteran who was killed or went missing in the line of duty, or died from a service-related injury, you are likely eligible for a VA home loan.

National Guard and Reserves

National Guard or Reserves members who served at least six years, or at least 90 days under Title 10 or Title 32, are eligible for a VA loan. At least 30 of the days served under Title 32 must be consecutive.

View your rate

How to apply for a VA loan with SoFi.

Applying for a VA loan with SoFi is straightforward and simple. You can complete the whole process online and talk to a Mortgage Loan Officer whenever you need help.

  1. 1

    Request a COE.

    Request a Certificate of Eligibility from the U.S. Department of Veterans Affairs. You’ll need to submit a COE as part of your VA loan application.

  2. 2

    Pre-qualify with ease.

    Find out what VA loan rate and amount you qualify for in minutes.

  3. 3

    Get your VA home loan.

    Choose the mortgage terms that work best for you. Once everything is finalized, we’ll fund your loan.

Learn more about buying a home.

Home Affordability Calculator

Home Affordability Calculator

February 6, 2023

How to Qualify for a Mortgage: 9 Requirements for a Mortgage Loan

First-Time Homebuyer Guide

First-Time Homebuyer Guide

FAQs

VA loans are mortgages backed by the U.S. Department of Veterans Affairs (VA) and offered by private lenders like SoFi. Because part of the loan is guaranteed by the government, lenders are able to offer perks like lower interest rates, closing fees, and minimum credit score requirements. SoFi VA loan applicants also don’t need to worry about a down payment or paying for private mortgage insurance.

VA loans are available to certain active-duty service members, veterans, and surviving spouses.
VA home loans often come with several benefits, including relatively low interest rates, lower closing costs, no minimum down payment, and no mortgage insurance requirement. Though it varies from lender to lender, the minimum FICO score to qualify for a VA loan is typically around 600.
People who likely qualify for a VA home loan include:

• Active duty service members who have served for at least 90 consecutive days.
• Veterans who served as active-duty service members for at least 90 consecutive days in wartime or 181 consecutive days in peacetime.
• Spouses who survive veterans who were killed or went missing in the line of duty, or who died from a service-related injury.
• National Guard and Reserves members who served for at least six years or at least 90 days under Title 10 or Title 32. At least 30 of the days served under Title 32 must be consecutive.
The minimum FICO score for a SoFi VA home loan is 600.
With SoFi, you can choose the terms that work for you. We offer fixed- and adjustable-rate3 mortgage options. The maximum VA home loan amount is $1.5 million.

See more FAQs

Here to serve you.

We’re proud to offer VA home loans to the heroes who have served our country. Let’s turn your dreams of home ownership into reality.

Get pre-qualified