Loan Types
5 articles written for military families — plain English, no sales pitch, and no rate promises.
Loan Types
A VA one-time close construction loan is a single mortgage that pays for the build and then becomes your permanent VA home loan — one closing, one set of closing costs, and a rate set before the foundation is poured. Here is how the structure works, what VA allows the loan to cover, and the rules that decide whether your build closes or stalls.
Updated 2026-10-10 · 11 min read
Loan Types
A VA renovation loan rolls the cost of repairs into your VA mortgage, so you can buy a home that needs work and finance the improvements in one loan. Here is how the program works, what it covers, and where it differs from a standard VA purchase.
Updated 2026-10-10 · 9 min read
Loan Types
The VA Energy Efficient Mortgage lets you finance energy-saving improvements directly into a VA purchase or refinance, often with no additional underwriting. Here is what qualifies, how much you can add, and when an EEM beats a renovation loan.
Updated 2026-10-10 · 7 min read
Loan Types
A VA ARM starts with a fixed rate for several years, then adjusts annually within strict caps. For a service member who knows a PCS is coming, the lower initial rate can be real savings. Here is how the structure works and who it fits.
Updated 2026-10-10 · 8 min read
Loan Types
The VA loan is not one product — it is a family of them. Purchase, IRRRL, cash-out, renovation, construction, jumbo: here is what each type does and when it is the right tool for the job.
Updated 2026-10-10 · 7 min read
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