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I’m a veteran shopping for a mortgage. I want to use my VA home loan benefit, but some lenders have said they don’t offer VA loans. Can they do that?

Yes, they can. Mortgage lenders can decide which loan programs to offer, and they don’t have to offer VA loans.

While the VA encourages lenders to offer VA home loans to veterans, servicemembers and eligible surviving spouses, not all lenders participate in the VA home loan program. Veterans should shop around with different lenders for the best deal on any loan, including VA home loans.  According to the VA, there are over 1500 lenders who closed at least one VA Home loan in 2015, so look around for options.   

VA has eight Regional Loan Centers around the country that can help you navigate the process.  You can visit for more information.