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Questions & Answers About VA Home Loans


Questions About VA Home Loans

This is an archive of common and uncommon questions addressed by our department.

You can Ask a VA Loan Question, or you can call 1-800-211-9024.

Browse the topics below to view answers to questions that have been submitted by borrowers and prospective borrowers.

Does a VA Home Loan have mortgage insurance?


Department Representative

Neils Jorgensen

Department Representative

No, a VA Home Loan does not have mortgage insurance (also referred to as "M.I."). VA Loans are actually guaranteed by the VA, not insured. This means that you have neither up front nor monthly mortgage insurance premiums.


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Direct VA Loans web site is a service of the Veteran Services Department of iFreedom Direct Corporation, licensed by the VA to originate VA Mortgages. We are not the Department of Veterans Affairs or any other government agency. The Department of Veterans Affairs does not lend money to borrowers. iFreedom Direct is a direct lender originating VA Home Loans across the United States. The Federal Government guarantees our VA Loans.