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 VA loans are available to veterans, service members, and select spouses of military members. These loans were created in 1944 to help returning veterans afford homes when they didn’t have adequate credit or down payments. VA loans allow veterans to return home and still be capable of buying a house. Private lenders like a bank or a mortgage company issue these loans, and the United States Department of Veterans Affairs guarantees them. These loans are exclusive to veterans and allow them an accessible and reliable loan option. 

Benefits associated with VA loans are a 0% down payment, no monthly mortgage insurance, competitive interest rates, and leniency with credit and income requirements. Doing this allows more veterans to qualify for this loan. VA loans are ONLY for your primary residence, which means you can not get a VA loan for investment purposes or vacation homes. 

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