Elisa Housley

706-455-0156

• Thinking of Buying, Selling or Refinancing a Home
  
  These short videos explain what you need to know as a Veteran.
• Pamphlets on the VA Home Loan Program
  
  On-line copies of VA Home Loan Pamphlets.
• HomeOwnership Education for First Time Buyers
  
  Valuable information for first time homebuyers from the Ginnie Mae HomeOwnership Center.
• Frequently Asked Questions
  
  Answers to questions most frequently asked about the VA Home Loan program.
• About the Loan Guaranty Service
  
  
  • The VA Loan Guaranty Service is the organization within the Veterans Benefits Administration charged with the responsibility of administering the home loan program.
  • See an independent evaluation of the Loan Guaranty program here: Final Report | Report Appendices
  
  
  
• Information on Specially Adapted Housing for disabled veterans
  
  Click here for information on the Special Adapted Housing program for certain seriously disabled veterans.
• VA Regional Loan Centers
  
  Addresses, telephone numbers & websites of our Regional Loan Centers.
• Contact VA Loan Guaranty Service E-mail Loan Guaranty Service
• VA Approved Lenders
  
  Find a VA approved lender in your home town area using our E-lenders nationwide query.
• Interest Rate Reduction Refinancing Loans
  
  Have interest rates fallen since you obtained your VA loan? Do you have an Adjustable Rate VA loan that you want to convert to a fixed rate loan? The IRRRL program, also called the VA streamlined refinancing program, may be for you. No appraisal or underwriting is required and a certificate of eligibility is not necessary.
• If You Have Trouble Making Your Payments
  
  If you have a VA loan but are having trouble making your mortgage payments, it is very important that you take steps to avoid a foreclosure. VA may be able to help.
• Information for Elderly Homeowners
  
  Information for Elderly Homeowners covers Reverse Mortgages, Interest Rate Reduction Refinancing Loans, and Home Equity Fraud.
• VA Direct Home Loans for Native American Veterans Living on Trust lands
  
  VA direct home loans are available to eligible Native American veterans who wish to purchase or construct a home on trust lands.

• General Rules for Eligibility
  
  Determine if you are eligible for VA home loan benefits.
• How to request a Certificate of Eligibility for VA Home Loan Benefits
  
  To request a Certificate of Eligibility for VA home loan benefits, you must complete VA Form 26-1880 and submit it to one of our VA Eligibility Centers along with acceptable proof of service as described on the instruction page of the form.
  
  It's also possible to obtain a Certificate of Eligibility from your lender. Most lenders have access to the ACE (automated certificate of eligibility) system. This Internet based application can establish eligibility and issue an online Certificate of Eligibility in a matter of seconds. Not all cases can be processed through ACE - only those for which VA has sufficient data in our records. However, veterans are encouraged to ask their lenders about this method of obtaining a certificate.
  
  
• A Certificate of Eligibility is NOT Necessary for Interest Rate Reduction Refinance of Existing VA Loan
  
  Your lender may use our e-mail confirmation procedure in lieu of a certificate if you are obtaining a Interest Rate Reduction Refinance of an existing VA loan.
  
  
• Contact an Eligibility Center
  
  If you have specific questions regarding VA home loan eligibility, e-mail your Eligibility Center. Most questions regarding the VA Home Loan Program are answered in our Frequently Asked Questions, we ask that you read them prior to sending an inquiry.
  
  
• VA Eligibility Centers Address and Telephone Numbers
  
  Addresses and Telephone numbers
• Frequently Asked Eligibility Questions