If you are a United States Veteran, you can get lots of discounts on your home loans. You may not know that not all lenders are VA home loan lenders and there is actually a difference.

Unfortunately, not all home loan lenders provide benefits to veterans. Therefore, it is important to understand what these benefits are and then search to find a reputable company with which to work.

The Main Difference…

VA home loan lenders are those that offer the VA benefits to many of its customers. This may not mean that you can't get a loan if you are not a veteran. If you are considered a veteran in the eyes of the military and you will qualify for these benefits.

To be considered a veteran, you have to have served in the US armed forces and have been honorably discharged. If you were not discharged in an honorable way, you are not able to get these benefits, even if you were in the armed forces.

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

How Do I Find VA Home 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!

We recommend that you begin the process by looking at interest rates. From there, you can look at the current rate being offered and then check out the types of loans provided. If you see they have VA home loans, then you could contact them to get more information on the loan process, as well as rates.

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.

In Summary

You will have a harder time finding that VA home loan and it's not always easy. You never really can tell who is going to offer one to you. If you are willing to do some research one may just pop up on your doorstep.