{"id":191,"date":"2026-05-20T13:50:19","date_gmt":"2026-05-20T17:50:19","guid":{"rendered":"https:\/\/department.va.gov\/vba\/?page_id=191"},"modified":"2026-09-18T15:23:38","modified_gmt":"2026-09-18T19:23:38","slug":"loan-guaranty","status":"publish","type":"page","link":"https:\/\/department.va.gov\/vba\/loan-guaranty\/","title":{"rendered":"Loan Guaranty"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull va-page-title-1\"><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-179 size-large\" alt=\"page header background\" src=\"https:\/\/department.va.gov\/academic-affiliations\/wp-content\/uploads\/sites\/59\/2025\/05\/Hero2.png?w=1024\" data-object-fit=\"cover\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim\" style=\"background-color:#085795\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<h1 class=\"wp-block-heading alignwide has-text-align-left\">Loan Guaranty<\/h1>\n<\/div><\/div>\n\n\n<div class=\"va-body-wrapper wp-block-create-block-body-wrapper\"><div class=\"va-body-wrapper__inner\">\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column va-sidebar-page__body is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:80%\">\n<div class=\"wp-block-group alignwide va-intro-page va-intro-page-1 is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading\">Program overview<\/h2>\n\n\n<div style=\"background-color: #005EA2\" class=\"wp-block-create-block-colored-spacer has-0073-aa-background-color has-background\"><\/div>\n\n\n<p class=\"wp-block-paragraph\">The  VA Home Loan Guaranty program helps eligible Veterans, active-duty personnel, surviving spouses, and members of the Reserves and National Guard purchase, retain, and adapt homes in<br>recognition of their service to the Nation. VA Home Loans are provided by private lenders, such as banks and mortgage companies and VA guarantees a portion of the loan, enabling the lender to provide more favorable terms.<\/p>\n\n\n\n<div aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacer-10\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-blue-icon-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.benefits.va.gov\/homeloans\/\" target=\"_blank\" rel=\"noopener\">Learn about VA Home Loans<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column va-sidebar-page__sidebar is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\"><div class=\"card-as-link-wrapper va-modal-1 wp-block-create-block-card-as-link-wrapper has-background has-va-blue-background-color\"><a href=\"#\" class=\"card-as-link-wrapper__inner va-card\">\n\n<div class=\"wp-block-group va-link-cards-1__content-wrapper va-link-cards-1__are-you-a-vet is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group va-link-cards-1__content-inner-wrapper has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacer-10\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-va-white-color has-text-color has-link-color wp-elements-1\">Are you a Veteran, Family\n\t\t\t\t\tMember or Caregiver?<\/h3>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacer-10\"><\/div>\n<\/div>\n<\/div>\n\n<\/a><\/div>\n\n\n<div style=\"height:50px;width:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-d05cb3ef wp-block-group-is-layout-flex\"><div class=\"wp-block-icon-block va-icon-size-32\" style=\"color:#005EA2;\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path fill-rule=\"evenodd\" clip-rule=\"evenodd\"\n          d=\"M14 2H6C4.9 2 4.01 2.9 4.01 4L4 20C4 21.1 4.89 22 5.99 22H18C19.1 22 20 21.1 20 20V8L14 2ZM16 18H8V16H16V18ZM16 14H8V12H16V14ZM13 9V3.5L18.5 9H13Z\"\n          fill=\"currentColor\"\/>\n<\/svg>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/department.va.gov\/vba\/wp-content\/uploads\/sites\/78\/2026\/07\/2025-loan-guaranty.pdf\" data-type=\"attachment\" data-id=\"659\">View annual report<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<\/div><\/div>\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n<div class=\"va-body-wrapper wp-block-create-block-body-wrapper has-background has-va-grey-background-color\"><div class=\"va-body-wrapper__inner\">\n\n<div class=\"wp-block-columns is-style-unequal-height is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:80%\">\n<div class=\"wp-block-group va-section-title va-section-title-1 is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading\">Director<\/h2>\n\n\n<div style=\"background-color: #00BDE3\" class=\"wp-block-create-block-colored-spacer has-ff-5500-background-color has-background\"><\/div>\n\n\n<div aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacer-10\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group va-card va-bio-card va-bio-card-portrait va-bio-card-2 has-va-white-background-color has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/department.va.gov\/wp-content\/uploads\/2025\/09\/patrick-zondervan.jpeg\" alt=\"profile image placeholder\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group va-bio-card__text-wrapper has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading va-bio-card__name\">Patrick J. Zondervan<\/h2>\n\n\n\n<p class=\"va-bio-card__position wp-block-paragraph\">Executive Director, Loan Guaranty Service<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mr. Patrick J. Zondervan was appointed Executive Director of Loan Guaranty Service on August 10, 2025. In this role Mr. Zondervan is responsible for delivering VA Home Loan Benefits to Service Members, Veterans and their families.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-blue-icon-button\"><a class=\"wp-block-button__link has-text-align-left wp-element-button\" href=\"https:\/\/department.va.gov\/staff-biographies\/patrick-j-zondervan\/\">View full biography<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\"><\/div>\n<\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<\/div><\/div>\n\n<div class=\"va-body-wrapper wp-block-create-block-body-wrapper has-background has-va-blue-background-color\"><div class=\"va-body-wrapper__inner\">\n\n<div class=\"wp-block-group va-section-title va-section-title-1 is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading\">Home loan resources<\/h2>\n\n\n<div style=\"background-color: #00BDE3\" class=\"wp-block-create-block-colored-spacer has-ff-5500-background-color has-background\"><\/div>\n\n\n<div aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacer-10\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-style-unequal-height is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/escape-clause.asp\" data-type=\"link\" data-id=\"https:\/\/www.benefits.va.gov\/homeloans\/escape-clause.asp\" target=\"_blank\" rel=\"noopener\">VA Escape Clause<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/temporary-buydown.asp\" target=\"_blank\" rel=\"noopener\">Temporary Buydowns<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/benefits.va.gov\/homeloans\/sahat_awards.asp\" data-type=\"link\" data-id=\"https:\/\/benefits.va.gov\/homeloans\/sahat_awards.asp\" target=\"_blank\" rel=\"noopener\">SAHAT Grant Recipients<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/sah-builder-registration-information.asp\" target=\"_blank\" rel=\"noopener\">SAH Builder Registration Information<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/appraiser.asp\" target=\"_blank\" rel=\"noopener\">Appraisers\/Staff Appraisal Reviewer<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/appraiser_fee_app.asp\" target=\"_blank\" rel=\"noopener\">Fee or Roster Personnel Designation Application<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/appraiser_fee_schedule.asp\" data-type=\"link\" data-id=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/appraiser_fee_schedule.asp\" target=\"_blank\" rel=\"noopener\">VA Appraisal Fee Schedules and Timeliness Requirements<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/appraiser_sar.asp\" target=\"_blank\" rel=\"noopener\">Staff Appraisal Reviewer (SAR) Information<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/appraiser_sar_application.asp\" target=\"_blank\" rel=\"noopener\">SAR Application: Lender Appraisal<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/appraiser_sar_application.asp\" target=\"_blank\" rel=\"noopener\">Processing Program (LAPP)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/appraiser_cv.asp\" target=\"_blank\" rel=\"noopener\">Construction and Valuation<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/lenders.asp\" target=\"_blank\" rel=\"noopener\">Lenders Page<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/lenders_samp_doc.asp\" data-type=\"link\" data-id=\"https:\/\/www.benefits.va.gov\/homeloans\/lenders_samp_doc.asp\" target=\"_blank\" rel=\"noopener\">Lender Sample Documents<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/lenders_nsaaa.asp\" data-type=\"link\" data-id=\"https:\/\/www.benefits.va.gov\/homeloans\/lenders_nsaaa.asp\" target=\"_blank\" rel=\"noopener\">How to Apply for Nonsupervised Automatic Authority<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/lenders_lgy_monitor.asp\" target=\"_blank\" rel=\"noopener\">Loan Guaranty Monitoring Unit<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/benefits.va.gov\/homeloans\/real-estate\/toolkit\/index.asp\" target=\"_blank\" rel=\"noopener\">Real Estate Professionals<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/realtors_property_mgmt.asp\" data-type=\"link\" data-id=\"https:\/\/www.benefits.va.gov\/homeloans\/realtors_property_mgmt.asp\" target=\"_blank\" rel=\"noopener\">Property Management Service Contract<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/servicers.asp\" target=\"_blank\" rel=\"noopener\">Servicers of VA Loans<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/servicers_valeri.asp\" data-type=\"link\" data-id=\"https:\/\/www.benefits.va.gov\/homeloans\/servicers_valeri.asp\" target=\"_blank\" rel=\"noopener\">VALERI (VA Loan Electronic Reporting Interface)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/servicers_valeri_news.asp\" data-type=\"link\" data-id=\"https:\/\/www.benefits.va.gov\/homeloans\/servicers_valeri_news.asp\" target=\"_blank\" rel=\"noopener\">Servicer Access to VALERI<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/training\/index.asp\" target=\"_blank\" rel=\"noopener\">Training<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/technology-knowledge-center.asp\" target=\"_blank\" rel=\"noopener\">Technology Knowledge Center<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<\/div><\/div>\n\n<div class=\"va-body-wrapper wp-block-create-block-body-wrapper\"><div class=\"va-body-wrapper__inner\">\n\n<div class=\"wp-block-columns is-style-unequal-height is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:80%\">\n<div id=\"contact-resources\" class=\"wp-block-group va-section-title va-section-title-1 is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading\">Contact information<\/h2>\n\n\n<div style=\"background-color: #D83933\" class=\"wp-block-create-block-colored-spacer has-ff-5500-background-color has-background\"><\/div>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<p class=\"wp-block-paragraph\">Media should direct questions or comments to&nbsp;<a href=\"mailto:vapublicaffairs@va.gov\">Office of Media Relations<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">VBA Support: <a href=\"tel:18008271000\">1-800-827-1000<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacer-50\"><\/div>\n\n<\/div><\/div>\n\n\r\n\t<div class=\"va-modal-window hidden va-modal-1\">\r\n\t\t<div class=\"va-modal-content\">\r\n\t\t\t<button class=\"va-modal-close\">\r\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\">\r\n\t\t\t\t\t<path fill=\"#2b2b2b\" fill-rule=\"evenodd\"\r\n\t\t\t\t\t\td=\"M22 12c0 5.523-4.477 10-10 10S2 17.523 2 12 6.477 2 12 2s10 4.477 10 10ZM8.97 8.97a.75.75 0 0 1 1.06 0L12 10.94l1.97-1.97a.75.75 0 0 1 1.06 1.06L13.06 12l1.97 1.97a.75.75 0 0 1-1.06 1.06L12 13.06l-1.97 1.97a.75.75 0 0 1-1.06-1.06L10.94 12l-1.97-1.97a.75.75 0 0 1 0-1.06Z\"\r\n\t\t\t\t\t\tclip-rule=\"evenodd\" \/>\r\n\t\t\t\t<\/svg>\r\n\t\t\t<\/button>\r\n\t\t\t\n\n<h3 class=\"wp-block-heading has-text-align-center has-va-blue-color has-text-color has-link-color wp-elements-2\">More on Home Loans<\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><br><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/\" data-type=\"link\" data-id=\"https:\/\/department.va.gov\/home-loans\/\" target=\"_blank\" rel=\"noopener\">VA home loans<\/a><\/p>\n\n\r\n\t\t<\/div>\r\n\t<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":143,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-191","page","type-page","status-publish","hentry"],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/department.va.gov\/vba\/loan-guaranty\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"WebPage","headline":"Loan Guaranty","url":"http:\/\/department.va.gov\/vba\/loan-guaranty\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/department.va.gov\/vba\/loan-guaranty\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[{"@type":"Person","name":"evanw"}],"creator":["evanw"],"publisher":{"@type":"Organization","name":"Veterans Benefits Administration","logo":""},"keywords":[],"dateCreated":"2026-05-20T17:50:19Z","datePublished":"2026-05-20T17:50:19Z","dateModified":"2026-09-18T19:23:38Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"WebPage\",\"headline\":\"Loan Guaranty\",\"url\":\"http:\\\/\\\/department.va.gov\\\/vba\\\/loan-guaranty\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/department.va.gov\\\/vba\\\/loan-guaranty\\\/\"},\"thumbnailUrl\":\"\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"\"},\"articleSection\":\"Uncategorized\",\"author\":[{\"@type\":\"Person\",\"name\":\"evanw\"}],\"creator\":[\"evanw\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"Veterans Benefits 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