VA Home Loans

VA helps service members, veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy. VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms. For VA housing loan purposes, the term "veteran" includes members of the National Guard, the Reserves, active duty service members, and certain categories of spouses. As part of the Blue Water Navy Vietnam Veterans Act of 2019, Congress authorized the following changes to the VA Home Loan benefit that began January 1, 2020 for ALL eligible veterans:

VA Loan Funding Fee Change - At this time, there is a temporary change to the VA Funding Fee, which is a congressionally mandated fee associated with the VA Home Loan. Veterans and service members will see a slight increase of 0.15% to 0.30% in their funding fee (currently for two years), while National Guard and Reserve members will see a slight decrease in their fee to align with the fee paid by 'Regular Military' borrowers (permanent). Veterans with service-connected disabilities, some surviving spouses, and other potential borrowers are exempt from the VA loan funding fee and will not be impacted by this change.
Purple Heart - If you are an active duty service member who has earned a Purple Heart, your funding fee can be waived if you close on your home while still serving on active duty.
Conforming Loan Limits - Veterans will have greater access when using their no-down payment home loan benefit. Veterans seeking to obtain what are commonly referred to as "jumbo" loans, or veterans living in higher-cost markets, will no longer be subject to the Federally-established conforming loan limit After January 1, 2020, veterans may obtain no-down payment VA-backed loans in all areas of the country, regardless of home prices.
Native American Direct Loan - The new law removes the loan limit of $80,000 for veterans using their entitlement for a VA Native American Direct loan to build or purchase a home on Federal trust land. Eliminating the loan limit enhances access to home loan benefits for Native American veterans.

Benefits Facts

TSGLI

Servicemembers’ Group Life Insurance Traumatic Injury Protection (TSGLI) provides a one-time, lump-sum, tax-free payment to Wounded Warriors who qualify.

Benefits Facts

G.I. Bill

The Montgomery GI Bill (MGIB) provides up to 36 months of education benefits to eligible Service members and Veterans for programs such as: college, business, technical, or vocational school; apprenticeship / on-the-job training; correspondence courses; remedial, deficiency, and refresher training (in some cases); and flight training. You usually have 10 years to use your MGIB benefits, but the time limit can be fewer or more years depending on the situation.

Benefits Facts

DTAP

The Department of Defense Transition Assistance Program (DoD-TAP) provides information, access to important documents, and training to ensure Service members separating from Active Duty are prepared for their next step in life - whether pursuing additional education, finding a job in the public or private sector, or starting their own business. This redesigned TAP is the result of an interagency collaboration to offer separating Service members and their Spouses better, more easily accessible resources and information to make their transitions more successful.

Benefits Facts

Dual TRICARE and VA

When leaving active duty, Service members may be entitled to or eligible for benefits offered by TRICARE and Department of Veterans Affairs (VA), depending on whether the Service member retires or separates.

Benefits Facts

CRDP

Concurrent Retirement and Disability Pay is the gradual restoration of the retired pay currently being offset by VA disability pay.

Benefits Facts

ACS

Army Community Service helps Soldiers and Families by providing vital services and information during war and peace.

Benefits Facts

CYS

The Army Child and Youth Services (CYS) provides affordable childcare programs for Army Families. Costs are typically based on Family income. Programs range from daycare facilities to sports and fitness programs.

Benefits Facts

Deployment Support

Mobilization, Deployment and Stability Support Operations' mission is to provide training, information and assistance to Soldiers, Civilians and their Families to maintain individual readiness throughout the entire deployment cycle. Deployment and Mobilization provides guidance, resources and training for all; Soldiers, Civilians and their Families; to include parents, Soldier and Family Readiness Group (SFRG) members, Rear Detachment cadre and ACS/Reserve staff throughout the Army Deployment and Mobilization cycle. Whether supporting deploying units by providing pre-deployment information and material to Soldiers, Civilians and their Families; to providing reintegration and RESET training as they reconstitute their Family unit, the Mobilization and Deployment Team is there to provide support.

Benefits Facts

TSP

Benefits Facts

SCRA

The Servicemember’s Civil Relief Act provides Soldiers important rights that cover issues such as rental agreements, eviction, credit card and mortgage interest rates, and more.

Featured: Reunion

The return home from combat can often leave servicemembers feeling out of place with the most important people in their lives - their families.

"In deployment, Soldiers grow accustomed to a new lifestyle and a new 'family' - those buddies that bond together to defend each other," said Maj. Ken Williams, 14th Military Police Brigade chaplain. "This lifestyle change is prolonged and becomes familiar, i.e., the new normal."

The families also change while the Soldier is deployed.

"The family is a system," Williams said. "When one family member is absent, the whole system changes. All members of the family adapt to a new 'normal' way of life."

When the servicemember returns, the family may feel uncomfortable with each other, and the servicemember may withdraw from the family.