VA住宅ローン

新着！SoFi は、 VA ローンを利用してヒーローたちが家を見つけるのを支援しています。

マイホームを夢見る現役軍人、退役軍人、予備役の方々は、VA住宅ローンをご利用いただくことで、頭金不要で特別金利をご利用いただけます。そして今、VAローンはSoFiのサービスを受けられるようになりました。

料金を見る

金利を確認してもクレジットスコアには影響しません。 †
* 下記の利用規約をご覧ください。VA資金調達手数料は免除されない限り適用されます。

VA 住宅ローンとは何ですか ?

VAローンは、米国退役軍人省の保証を受けており、SoFiなどの民間金融機関が提供しています。VAが住宅ローンの一部を保証するため、低金利、諸費用の軽減、住宅ローン保険の免除、頭金の不要といった特典を受けることができます 。1

もっと詳しく知る

VA ローンに SoFi を選ぶ理由は何ですか?

手数料ゼロ

他の貸し手とは異なり、VA ローンに対してはオリジネーション手数料はかかりません。 *

自信を持って締めくくる

私たちは時間こそが重要だと考えています。だからこそ、10,000ドル 3 の保証付きで、期日通りに取引を完了することを保証します。

お客様の条件に合わせたVAローンの条件

最大 150 万ドルを借り入れ、固定金利または変動金利の 4 つの 住宅ローン オプション から選択します。

より簡単な資格取得

SoFi では、VA ローンに対してより低い最低 FICO® スコアを許可しています。

頭金を捨てる

住宅ローンの頭金を貯めるのは大変なことです。だからこそ、VA住宅ローンでは頭金は必要ありません。

専任の住宅ローン担当者

当社の専任 MLO が VA 住宅ローン手続きのサポートをいたします。

VA 住宅ローンの資格要件。

VA住宅ローンの申請者は、VAローンの資格を証明する資格証明書（COE）を提出する必要があります。米国退役軍人省は、 COEの申請手順を 公開しています。

現役軍人

少なくとも 90 日間連続して勤務した現役軍人は、VA ローンの対象とみなされます。

現役軍人

Active-duty service members who have served for at least 90 consecutive days are considered eligible for VA loans.

Veterans

Veterans who were active-duty for at least 90 consecutive days in wartime or 181 days in peacetime are eligible for a VA home loan.

Surviving Spouses

If your spouse was a veteran who was killed or went missing in the line of duty, or died from a service-related injury, you are likely eligible for a VA home loan.

National Guard and Reserves

National Guard or Reserves members who served at least six years, or at least 90 days under Title 10 or Title 32, are eligible for a VA loan. At least 30 of the days served under Title 32 must be consecutive.

View your rate

How to apply for a VA loan with SoFi.

Applying for a VA loan with SoFi is straightforward and simple. You can complete the whole process online and talk to a Mortgage Loan Officer whenever you need help.

  1. 1

    Request a COE.

    Request a Certificate of Eligibility from the U.S. Department of Veterans Affairs. You’ll need to submit a COE as part of your VA loan application.

  2. 2

    Pre-qualify with ease.

    Find out what VA loan rate and amount you qualify for in minutes.

  3. 3

    Get your VA home loan.

    Choose the mortgage terms that work best for you. Once everything is finalized, we’ll fund your loan.

Learn more about buying a home.

Home Affordability Calculator

Home Affordability Calculator

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How to Qualify for a Mortgage: 9 Requirements for a Mortgage Loan

First-Time Homebuyer Guide

First-Time Homebuyer Guide

FAQs

VA loans are mortgages backed by the U.S. Department of Veterans Affairs (VA) and offered by private lenders like SoFi. Because part of the loan is guaranteed by the government, lenders are able to offer perks like lower interest rates, closing fees, and minimum credit score requirements. SoFi VA loan applicants also don’t need to worry about a down payment or paying for private mortgage insurance.

VA loans are available to certain active-duty service members, veterans, and surviving spouses.
VA home loans often come with several benefits, including relatively low interest rates, lower closing costs, no minimum down payment, and no mortgage insurance requirement. Though it varies from lender to lender, the minimum FICO score to qualify for a VA loan is typically around 600.
People who likely qualify for a VA home loan include:

• Active duty service members who have served for at least 90 consecutive days.
• Veterans who served as active-duty service members for at least 90 consecutive days in wartime or 181 consecutive days in peacetime.
• Spouses who survive veterans who were killed or went missing in the line of duty, or who died from a service-related injury.
• National Guard and Reserves members who served for at least six years or at least 90 days under Title 10 or Title 32. At least 30 of the days served under Title 32 must be consecutive.
The minimum FICO score for a SoFi VA home loan is 600.
With SoFi, you can choose the terms that work for you. We offer fixed- and adjustable-rate3 mortgage options. The maximum VA home loan amount is $1.5 million.

See more FAQs

Here to serve you.

We’re proud to offer VA home loans to the heroes who have served our country. Let’s turn your dreams of home ownership into reality.

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