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Veterans Affairs (VA) 30-Year Fixed-Rate Home Loan

Mortgage Building blocks

VA loans1 can make owning a home more affordable for U.S. service members and veterans. Guaranteed by the Department of Veterans Affairs, this fixed-rate loan does not require a down payment or mortgage insurance, and borrowers can use it to buy or refinance a home. Best of all, Veterans Affairs allows this benefit to be used again and again.

Features and benefits:

  • Lending available up to $2 million
  • No down payment or mortgage insurance required
  • Available to first-time and experienced homebuyers
  • Lower credit scores and other flexible qualifications
  • No appraisal needed on some refinances
  • Steady monthly principal and interest payment
  • No prepayment penalty or fee
  • Convenient online application process

Start today and apply for a 30-year fixed-rate Veterans Affairs home loan from New York Community Bank, a division of Flagstar Bank, N.A.

Programs for qualified borrowers. All borrowers subject to credit approval, underwriting approval and lender terms and conditions. Programs subject to change without notice. Some restrictions may apply. Not a commitment to lend. A loan advisor will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.