Housing & Stability Guide
VA loans, affordable housing programs, and resources to help you find stable housing
VA Home Loans
VA Loan Benefits
- No down payment required
- No mortgage insurance (PMI)
- Competitive interest rates
- Can help with refinancing existing loans
- Available to spouse if you're deceased
How to Apply
1. Get your Certificate of Eligibility (COE) from VA.gov
2. Find a VA-approved lender
3. Complete loan application and home purchase process
Housing Programs
HUD-VASH
Combines HUD housing vouchers with VA supportive services
Homeless Veteran Programs
Transitional housing, permanent supportive housing, rapid re-housing
SSVF
Supportive Services for Veteran Families - prevents homelessness
State Housing Programs
Many states offer additional veteran housing assistance
Emergency Housing Assistance
If you're homeless or at risk:
Call VA Homeless Hotline: 1-877-4AID-VET (1-877-424-3838)
Available services: temporary shelter, financial assistance, case management
Veterans can access emergency services regardless of discharge status
Fair Housing Rights
You cannot be denied housing because of:
- Military status or service-connected disability
- PTSD or mental health condition
- Use of service animals (including ESA)
- Race, color, religion, national origin, sex, familial status, or disability
Report violations: HUD Fair Housing Hotline 1-800-669-9777
Next Steps
- Determine your housing needs and budget
- Get your VA benefits and eligibility verified
- If buying: Get COE and talk to VA lender
- If renting: Look for HUD-VASH or local programs
- If homeless: Call VA Homeless Hotline immediately