VA Loans: Benefits for Military Personnel & Veterans Eligibility: Active-duty military, veterans, and surviving spouses can qualify for VA loans. Benefits never expire. No down payment: Buy a home without upfront costs, saving you money. Reusable benefit: Use VA loans multiple times in your lifetime after paying off previous loans. Lower interest rates: Save money with lower rates compared to conventional mortgages. Fees & costs: While cost-saving, VA loans have associated fees and closing costs

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