VA loan guaranties are made to service members, veterans, reservists, and unmarried surviving spouses for the purchase of homes, condominiums, and manufactured homes and for refinancing home loans. VA guarantees part of the total loan, permitting the purchaser to obtain a mortgage with a competitive interest rate, even without a down payment, if the lender agrees. The guaranty means the lender is protected against loss if you fail to repay the loan. Applicants must have a good credit rating, have sufficient income to support the mortgage payments and agree to live in the property as their primary residence.
To apply for a Certificate of Eligibility complete VA Form 26-1880, which is available at https://www.va.gov/housing-assistance/home-loans/how-to-apply/